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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 | $92,355 | $148,623-37.9% | $135,974-32.1% | $139,466-33.8% |
| Participation rate | 25.0% | 83.9%-58.9pp | 81.9%-56.9pp | 80.3%-55.3pp |
| Annual return | 14.44% | 79.30%-64.9pp | 68.30%-53.9pp | 373.66%-359.2pp |
| Employer contribution / active EE | $12,814 | $5,246+144.2% | $4,859+163.7% | $4,754+169.6% |
| Participant deferral / active EE | $13,366 | $8,103+65.0% | $7,760+72.2% | $6,712+99.1% |
| Admin fee / account holder | $1,488 | $12,406-88.0% | $10,767-86.2% | $11,409-87.0% |