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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 | $54,343 | $93,117-41.6% | $77,096-29.5% | $134,532-59.6% |
| Participation rate | 66.7% | 74.5%-7.8pp | 67.9%-1.3pp | 81.2%-14.6pp |
| Annual return | -19.69% | 62.67%-82.4pp | 42.35%-62.0pp | 418.27%-438.0pp |
| Employer contribution / active EE | $5,703 | $3,420+66.7% | $2,814+102.6% | $4,741+20.3% |
| Participant deferral / active EE | $7,675 | $5,241+46.4% | $4,429+73.3% | $6,401+19.9% |
| Admin fee / account holder | $495 | $6,948-92.9% | $5,428-90.9% | $11,429-95.7% |