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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 | $146,010 | $100,970+44.6% | $96,576+51.2% | $137,256+6.4% |
| Participation rate | 0.0% | 82.6%-82.6pp | 81.4%-81.4pp | 80.0%-80.0pp |
| Annual return | 16.77% | 38.16%-21.4pp | 38.47%-21.7pp | 220.34%-203.6pp |
| Employer contribution / active EE | $27,651 | $3,809+625.9% | $3,553+678.2% | $4,156+565.3% |
| Participant deferral / active EE | $69,263 | $8,286+735.9% | $7,956+770.5% | $6,407+981.1% |
| Admin fee / account holder | $11,675 | $11,312+3.2% | $11,381+2.6% | $12,270-4.9% |