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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 | $146,447 | $228,352-35.9% | $185,835-21.2% | $158,966-7.9% |
| Participation rate | 8.7% | 82.3%-73.6pp | 78.0%-69.3pp | 82.0%-73.3pp |
| Annual return | 73.31% | 40.81%+32.5pp | 35.96%+37.3pp | 302.95%-229.6pp |
| Employer contribution / active EE | $0 | $4,967-100.0% | $4,087-100.0% | $4,762-100.0% |
| Participant deferral / active EE | $0 | $6,416-100.0% | $5,633-100.0% | $5,983-100.0% |
| Admin fee / account holder | $894 | $11,867-92.5% | $9,502-90.6% | $11,250-92.1% |