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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.)
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).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
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 | $1,992 | $123,750-98.4% | $69,611-97.1% | $145,877-98.6% |
| Participation rate | 33.3% | 69.2%-35.9pp | 66.4%-33.1pp | 80.3%-47.0pp |
| Annual return | 33.05% | 192.03%-159.0pp | 101.14%-68.1pp | 551.28%-518.2pp |
| Employer contribution / active EE | $10,950 | $2,672+309.9% | $1,709+540.9% | $4,663+134.8% |
| Participant deferral / active EE | $27,981 | $4,243+559.5% | $2,891+868.0% | $6,691+318.2% |
| Admin fee / account holder | $858 | $7,817-89.0% | $4,696-81.7% | $13,402-93.6% |