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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 | $88,166 | $135,956-35.2% | $123,894-28.8% | $273,972-67.8% |
| Participation rate | 50.0% | 84.1%-34.1pp | 81.4%-31.4pp | 83.0%-33.0pp |
| Annual return | 12.90% | 56.63%-43.7pp | 47.52%-34.6pp | 41.46%-28.6pp |
| Employer contribution / active EE | $42,984 | $5,170+731.5% | $4,617+831.0% | $4,869+782.8% |
| Participant deferral / active EE | $85,545 | $6,343+1248.7% | $5,984+1329.5% | $5,287+1517.9% |
| Admin fee / account holder | $428 | $9,817-95.6% | $8,357-94.9% | $10,133-95.8% |