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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 | $213,375 | $183,592+16.2% | $155,567+37.2% | $145,959+46.2% |
| Participation rate | 66.7% | 82.7%-16.0pp | 78.2%-11.5pp | 80.3%-13.6pp |
| Annual return | 12.15% | 61.24%-49.1pp | 64.74%-52.6pp | 561.95%-549.8pp |
| Employer contribution / active EE | $38,327 | $5,315+621.1% | $4,674+720.0% | $4,661+722.3% |
| Participant deferral / active EE | $30,292 | $6,464+368.6% | $5,628+438.3% | $6,689+352.9% |
| Admin fee / account holder | $2,882 | $19,318-85.1% | $15,916-81.9% | $13,398-78.5% |