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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 | $138,213 | $174,379-20.7% | $152,093-9.1% | $138,895-0.5% |
| Participation rate | 0.0% | 81.6%-81.6pp | 77.8%-77.8pp | 79.9%-79.9pp |
| Annual return | 13.48% | 74.86%-61.4pp | 66.36%-52.9pp | 145.39%-131.9pp |
| Employer contribution / active EE | $12,066 | $4,652+159.4% | $4,175+189.0% | $4,194+187.7% |
| Participant deferral / active EE | $67,083 | $6,159+989.2% | $5,451+1130.6% | $6,396+948.8% |
| Admin fee / account holder | $12,982 | $16,880-23.1% | $14,497-10.5% | $12,562+3.3% |