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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 | $183,627+16.2% | $155,602+37.1% | $145,978+46.2% |
| Participation rate | 66.7% | 82.7%-16.0pp | 78.2%-11.5pp | 80.3%-13.6pp |
| Annual return | 12.15% | 61.32%-49.2pp | 64.81%-52.7pp | 550.52%-538.4pp |
| Employer contribution / active EE | $38,327 | $5,316+620.9% | $4,675+719.8% | $4,662+722.1% |
| Participant deferral / active EE | $30,292 | $6,466+368.5% | $5,629+438.2% | $6,690+352.8% |
| Admin fee / account holder | $2,882 | $19,327-85.1% | $15,923-81.9% | $13,400-78.5% |