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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 | $43,136 | $110,240-60.9% | $96,544-55.3% | $139,487-69.1% |
| Participation rate | 0.0% | 78.1%-78.1pp | 76.0%-76.0pp | 80.3%-80.3pp |
| Annual return | 15.49% | 26.41%-10.9pp | 25.88%-10.4pp | 373.84%-358.3pp |
| Employer contribution / active EE | $10,404 | $3,622+187.2% | $2,966+250.7% | $4,755+118.8% |
| Participant deferral / active EE | $27,066 | $5,549+387.8% | $4,851+457.9% | $6,713+303.2% |
| Admin fee / account holder | $487 | $11,602-95.8% | $8,254-94.1% | $11,407-95.7% |