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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 | $41,141 | $99,652-58.7% | $78,778-47.8% | $147,586-72.1% |
| Participation rate | 57.1% | 76.2%-19.1pp | 69.2%-12.0pp | 82.8%-25.7pp |
| Annual return | 16.08% | 47.28%-31.2pp | 35.62%-19.5pp | 578.59%-562.5pp |
| Employer contribution / active EE | $1,349 | $2,796-51.7% | $1,986-32.0% | $4,876-72.3% |
| Participant deferral / active EE | $4,976 | $3,664+35.8% | $2,958+68.2% | $5,439-8.5% |
| Admin fee / account holder | $1,306 | $7,155-81.7% | $5,134-74.6% | $10,886-88.0% |