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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
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 | $24,102 | $175,231-86.2% | $149,696-83.9% | $139,466-82.7% |
| Participation rate | 0.0% | 83.4%-83.4pp | 78.8%-78.8pp | 80.3%-80.3pp |
| Annual return | 30.05% | 166.77%-136.7pp | 134.46%-104.4pp | 373.66%-343.6pp |
| Employer contribution / active EE | $139 | $5,478-97.5% | $4,821-97.1% | $4,754-97.1% |
| Participant deferral / active EE | $64,216 | $6,521+884.7% | $5,682+1030.2% | $6,712+856.7% |
| Admin fee / account holder | $4,528 | $16,155-72.0% | $13,212-65.7% | $11,409-60.3% |