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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).
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 | $257,726 | $106,905+141.1% | $84,020+206.7% | $152,885+68.6% |
| Participation rate | 0.0% | 75.2%-75.2pp | 69.0%-69.0pp | 82.5%-82.5pp |
| Annual return | 25.28% | 105.00%-79.7pp | 71.31%-46.0pp | 345.39%-320.1pp |
| Employer contribution / active EE | $14,998 | $2,735+448.4% | $1,984+656.1% | $4,763+214.9% |
| Participant deferral / active EE | $43,546 | $4,012+985.4% | $3,239+1244.5% | $5,851+644.3% |
| Admin fee / account holder | $3,391 | $8,287-59.1% | $6,101-44.4% | $11,598-70.8% |