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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).
Assets per participant exceed $250,000 - top-decile high-value plan.
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 | $655,678 | $154,228+325.1% | $145,433+350.8% | $137,256+377.7% |
| Participation rate | 0.0% | 83.8%-83.8pp | 82.1%-82.1pp | 80.0%-80.0pp |
| Annual return | 17.23% | 74.59%-57.4pp | 66.58%-49.3pp | 220.34%-203.1pp |
| Employer contribution / active EE | $310,410 | $4,804+6361.5% | $4,554+6715.5% | $4,156+7368.9% |
| Participant deferral / active EE | $216,811 | $8,216+2538.8% | $7,897+2645.4% | $6,407+3284.1% |
| Admin fee / account holder | $13,660 | $14,344-4.8% | $13,129+4.0% | $12,270+11.3% |