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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 | $73,120 | $140,592-48.0% | $123,105-40.6% | $125,389-41.7% |
| Participation rate | 62.5% | 88.2%-25.7pp | 86.8%-24.3pp | 83.2%-20.7pp |
| Annual return | -2.60% | 16.80%-19.4pp | 13.22%-15.8pp | 282.24%-284.8pp |
| Employer contribution / active EE | $0 | $6,041-100.0% | $5,151-100.0% | $4,866-100.0% |
| Participant deferral / active EE | $0 | $6,980-100.0% | $6,229-100.0% | $5,352-100.0% |
| Admin fee / account holder | $2,694 | $11,198-75.9% | $9,014-70.1% | $9,541-71.8% |