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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 | $32,624 | $232,540-86.0% | $185,117-82.4% | $147,586-77.9% |
| Participation rate | 25.0% | 82.4%-57.4pp | 77.3%-52.3pp | 82.8%-57.8pp |
| Annual return | 17.54% | 43.03%-25.5pp | 40.50%-23.0pp | 578.59%-561.1pp |
| Employer contribution / active EE | $30,638 | $5,195+489.7% | $4,182+632.7% | $4,876+528.3% |
| Participant deferral / active EE | $15,932 | $5,834+173.1% | $5,045+215.8% | $5,439+192.9% |
| Admin fee / account holder | $1,315 | $10,275-87.2% | $8,159-83.9% | $10,886-87.9% |