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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 | $126,940 | $159,978-20.7% | $147,041-13.7% | $145,978-13.0% |
| Participation rate | 0.0% | 84.0%-84.0pp | 82.2%-82.2pp | 80.3%-80.3pp |
| Annual return | 12.18% | 98.36%-86.2pp | 419.21%-407.0pp | 550.52%-538.3pp |
| Employer contribution / active EE | $12,979 | $5,288+145.4% | $4,935+163.0% | $4,662+178.4% |
| Participant deferral / active EE | $65,371 | $8,429+675.6% | $8,071+710.0% | $6,690+877.2% |
| Admin fee / account holder | $686 | $15,053-95.4% | $13,006-94.7% | $13,400-94.9% |