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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 | $181,062-74.2% | $158,223-70.4% | $155,188-69.9% |
| Participation rate | 60.0% | 82.7%-22.7pp | 79.2%-19.2pp | 80.8%-20.8pp |
| Annual return | 17.55% | 57.39%-39.8pp | 52.09%-34.5pp | 148.84%-131.3pp |
| Employer contribution / active EE | $6,901 | $4,565+51.2% | $4,109+68.0% | $4,248+62.5% |
| Participant deferral / active EE | $18,035 | $6,134+194.0% | $5,467+229.9% | $6,531+176.1% |
| Admin fee / account holder | $10,194 | $18,825-45.8% | $16,047-36.5% | $14,480-29.6% |