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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 | $126,941 | $88,710+43.1% | $81,783+55.2% | $145,959-13.0% |
| Participation rate | 0.0% | 75.0%-75.0pp | 72.4%-72.4pp | 80.3%-80.3pp |
| Annual return | 13.48% | 1027.26%-1013.8pp | 775.05%-761.6pp | 561.95%-548.5pp |
| Employer contribution / active EE | $9,993 | $3,083+224.1% | $2,913+243.1% | $4,661+114.4% |
| Participant deferral / active EE | $57,501 | $4,645+1138.0% | $4,320+1230.9% | $6,689+759.7% |
| Admin fee / account holder | $918 | $8,407-89.1% | $7,380-87.6% | $13,398-93.1% |