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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 | $44,532 | $71,057-37.3% | $93,654-52.5% | $80,874-44.9% |
| Participation rate | 25.9% | 60.4%-34.5pp | 68.7%-42.8pp | 67.6%-41.7pp |
| Annual return | 10.07% | 11.26%-1.2pp | 133.34%-123.3pp | 35.62%-25.5pp |
| Employer contribution / active EE | $0 | $1,564-100.0% | $2,421-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $0 | $4,034-100.0% | $4,413-100.0% | $4,297-100.0% |
| Admin fee / account holder | $185,255 | $6,944+2567.9% | $8,282+2136.8% | $6,935+2571.2% |