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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 | $111,450 | $115,931-3.9% | $185,441-39.9% | $86,983+28.1% |
| Participation rate | 55.6% | 73.6%-18.1pp | 80.3%-24.7pp | 69.5%-14.0pp |
| Annual return | 19.06% | 21.47%-2.4pp | 20.16%-1.1pp | 25.83%-6.8pp |
| Employer contribution / active EE | $0 | $2,937-100.0% | $4,672-100.0% | $2,584-100.0% |
| Participant deferral / active EE | $0 | $4,551-100.0% | $6,152-100.0% | $4,194-100.0% |
| Admin fee / account holder | $1,129 | $10,687-89.4% | $17,890-93.7% | $7,856-85.6% |