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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 | $180,967 | $185,312-2.3% | $161,489+12.1% | $154,746+16.9% |
| Participation rate | 0.0% | 82.5%-82.5pp | 78.7%-78.7pp | 80.7%-80.7pp |
| Annual return | 14.94% | 103.84%-88.9pp | 89.72%-74.8pp | 172.34%-157.4pp |
| Employer contribution / active EE | $42,861 | $4,769+798.7% | $4,268+904.2% | $4,379+878.8% |
| Participant deferral / active EE | $96,677 | $6,350+1422.5% | $5,630+1617.2% | $6,730+1336.4% |
| Admin fee / account holder | $4,606 | $18,654-75.3% | $16,006-71.2% | $14,365-67.9% |