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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 | $68,412 | $167,362-59.1% | $143,799-52.4% | $134,532-49.1% |
| Participation rate | 0.0% | 84.8%-84.8pp | 80.3%-80.3pp | 81.2%-81.2pp |
| Annual return | -15.79% | 0.47%-16.3pp | -0.04%-15.7pp | 418.27%-434.1pp |
| Employer contribution / active EE | $138,983 | $5,620+2372.8% | $4,952+2706.5% | $4,741+2831.5% |
| Participant deferral / active EE | $35,426 | $6,447+449.5% | $5,638+528.3% | $6,401+453.5% |
| Admin fee / account holder | $667 | $18,094-96.3% | $14,677-95.5% | $11,429-94.2% |