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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 | $156,398+319.2% | $147,318+345.1% | $138,895+372.1% |
| Participation rate | 0.0% | 83.8%-83.8pp | 82.1%-82.1pp | 79.9%-79.9pp |
| Annual return | 17.23% | 78.75%-61.5pp | 70.43%-53.2pp | 145.39%-128.2pp |
| Employer contribution / active EE | $310,410 | $4,853+6295.9% | $4,593+6658.5% | $4,194+7300.9% |
| Participant deferral / active EE | $216,811 | $8,237+2532.0% | $7,906+2642.2% | $6,396+3289.7% |
| Admin fee / account holder | $13,660 | $14,976-8.8% | $13,708-0.3% | $12,562+8.7% |