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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Plan appears closed to new enrollment or frozen - balance-holders far exceed active participants, or the plan reports active distributions with no inflows. Exclude from peer benchmarks.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $9,484 | $166,131-94.3% | $164,975-94.3% | $145,877-93.5% |
| Participation rate | 60.0% | 82.0%-22.0pp | 78.6%-18.6pp | 80.3%-20.3pp |
| Annual return | 4.04% | 100.37%-96.3pp | 70.12%-66.1pp | 551.28%-547.2pp |
| Employer contribution / active EE | $2,147 | $5,276-59.3% | $4,343-50.6% | $4,663-54.0% |
| Participant deferral / active EE | $17,843 | $6,962+156.3% | $6,033+195.7% | $6,691+166.7% |
| Admin fee / account holder | $1,872 | $16,648-88.8% | $12,688-85.2% | $13,402-86.0% |