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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 | $26,803 | $251,004-89.3% | $191,597-86.0% | $138,895-80.7% |
| Participation rate | 0.0% | 82.4%-82.4pp | 76.9%-76.9pp | 79.9%-79.9pp |
| Annual return | 2.96% | 31.05%-28.1pp | 27.07%-24.1pp | 145.39%-142.4pp |
| Employer contribution / active EE | $10,334 | $6,226+66.0% | $5,025+105.6% | $4,194+146.4% |
| Participant deferral / active EE | $15,688 | $8,154+92.4% | $6,850+129.0% | $6,396+145.3% |
| Admin fee / account holder | $207,099 | $31,471+558.1% | $22,799+808.4% | $12,562+1548.6% |