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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 | $84,095 | $211,946-60.3% | $169,452-50.4% | $135,379-37.9% |
| Participation rate | 38.5% | 82.6%-44.2pp | 77.8%-39.3pp | 82.6%-44.2pp |
| Annual return | 513.25% | 3.26%+510.0pp | 1.83%+511.4pp | 519.79%-6.5pp |
| Employer contribution / active EE | $0 | $5,117-100.0% | $4,157-100.0% | $4,779-100.0% |
| Participant deferral / active EE | $0 | $6,075-100.0% | $5,277-100.0% | $5,609-100.0% |
| Admin fee / account holder | $3,297 | $11,472-71.3% | $9,110-63.8% | $10,828-69.6% |