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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 | $46,785 | $174,379-73.2% | $152,093-69.2% | $138,895-66.3% |
| Participation rate | 60.0% | 81.6%-21.6pp | 77.8%-17.8pp | 79.9%-19.9pp |
| Annual return | 17.55% | 74.86%-57.3pp | 66.36%-48.8pp | 145.39%-127.8pp |
| Employer contribution / active EE | $6,901 | $4,652+48.3% | $4,175+65.3% | $4,194+64.5% |
| Participant deferral / active EE | $18,035 | $6,159+192.8% | $5,451+230.8% | $6,396+182.0% |
| Admin fee / account holder | $10,194 | $16,880-39.6% | $14,497-29.7% | $12,562-18.9% |