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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 | $2,968 | $87,166-96.6% | $76,735-96.1% | $137,256-97.8% |
| Participation rate | 0.0% | 74.4%-74.4pp | 69.5%-69.5pp | 80.0%-80.0pp |
| Annual return | 25.03% | 26.50%-1.5pp | 29.77%-4.7pp | 220.34%-195.3pp |
| Employer contribution / active EE | $46,148 | $2,904+1488.9% | $2,454+1780.3% | $4,156+1010.4% |
| Participant deferral / active EE | $49,977 | $4,726+957.5% | $4,088+1122.6% | $6,407+680.1% |
| Admin fee / account holder | $1,468 | $8,403-82.5% | $7,189-79.6% | $12,270-88.0% |