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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).
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 | $8,079 | $154,228-94.8% | $145,433-94.4% | $137,256-94.1% |
| Participation rate | 0.0% | 83.8%-83.8pp | 82.1%-82.1pp | 80.0%-80.0pp |
| Annual return | 30.24% | 74.59%-44.3pp | 66.58%-36.3pp | 220.34%-190.1pp |
| Employer contribution / active EE | $23,629 | $4,804+391.9% | $4,554+418.8% | $4,156+468.5% |
| Participant deferral / active EE | $40,287 | $8,216+390.3% | $7,897+410.1% | $6,407+528.8% |
| Admin fee / account holder | $1,783 | $14,344-87.6% | $13,129-86.4% | $12,270-85.5% |