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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 | $88,754+43.0% | $81,820+55.1% | $145,877-13.0% |
| Participation rate | 0.0% | 75.1%-75.1pp | 72.4%-72.4pp | 80.3%-80.3pp |
| Annual return | 13.48% | 1031.77%-1018.3pp | 777.93%-764.5pp | 551.28%-537.8pp |
| Employer contribution / active EE | $9,993 | $3,085+223.9% | $2,915+242.8% | $4,663+114.3% |
| Participant deferral / active EE | $57,501 | $4,648+1137.2% | $4,323+1230.2% | $6,691+759.4% |
| Admin fee / account holder | $918 | $8,424-89.1% | $7,391-87.6% | $13,402-93.2% |