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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 | $104,156 | $127,296-18.2% | $109,907-5.2% | $167,536-37.8% |
| Participation rate | 0.0% | 77.9%-77.9pp | 74.2%-74.2pp | 82.1%-82.1pp |
| Annual return | 40.91% | 22.97%+17.9pp | 29.46%+11.4pp | 478.82%-437.9pp |
| Employer contribution / active EE | $7,910 | $3,325+137.9% | $2,844+178.1% | $4,839+63.5% |
| Participant deferral / active EE | $16,554 | $4,513+266.8% | $4,047+309.1% | $6,342+161.0% |
| Admin fee / account holder | $44,406 | $7,119+523.7% | $6,069+631.7% | $12,315+260.6% |