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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.)
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 | $33,244 | $86,701-61.7% | $73,309-54.7% | $125,389-73.5% |
| Participation rate | 0.0% | 78.6%-78.6pp | 74.9%-74.9pp | 83.2%-83.2pp |
| Annual return | 0.17% | 2.78%-2.6pp | 5.67%-5.5pp | 282.24%-282.1pp |
| Employer contribution / active EE | $33,074 | $4,152+696.5% | $3,237+921.7% | $4,866+579.7% |
| Participant deferral / active EE | $64,785 | $5,549+1067.5% | $4,991+1198.0% | $5,352+1110.6% |
| Admin fee / account holder | $6,178 | $7,768-20.5% | $5,635+9.6% | $9,541-35.2% |