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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 | $181,062-0.1% | $158,223+14.4% | $155,188+16.6% |
| Participation rate | 0.0% | 82.7%-82.7pp | 79.2%-79.2pp | 80.8%-80.8pp |
| Annual return | 14.94% | 57.39%-42.4pp | 52.09%-37.1pp | 148.84%-133.9pp |
| Employer contribution / active EE | $42,861 | $4,565+839.0% | $4,109+943.2% | $4,248+909.0% |
| Participant deferral / active EE | $96,677 | $6,134+1476.0% | $5,467+1668.4% | $6,531+1380.2% |
| Admin fee / account holder | $4,606 | $18,825-75.5% | $16,047-71.3% | $14,480-68.2% |