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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.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Assets per participant exceed $250,000 - top-decile high-value plan.
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 | $478,611 | $156,398+206.0% | $147,318+224.9% | $138,895+244.6% |
| Participation rate | 0.0% | 83.8%-83.8pp | 82.1%-82.1pp | 79.9%-79.9pp |
| Annual return | 6.88% | 78.75%-71.9pp | 70.43%-63.6pp | 145.39%-138.5pp |
| Employer contribution / active EE | $1,180 | $4,853-75.7% | $4,593-74.3% | $4,194-71.9% |
| Participant deferral / active EE | $48,616 | $8,237+490.2% | $7,906+514.9% | $6,396+660.1% |
| Admin fee / account holder | $63,028 | $14,976+320.9% | $13,708+359.8% | $12,562+401.7% |