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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 | $71,865 | $96,508-25.5% | $75,901-5.3% | $152,897-53.0% |
| Participation rate | 65.0% | 76.2%-11.2pp | 69.3%-4.3pp | 82.5%-17.5pp |
| Annual return | 22.06% | 33.99%-11.9pp | 30.76%-8.7pp | 345.43%-323.4pp |
| Employer contribution / active EE | $0 | $3,310-100.0% | $2,501-100.0% | $4,764-100.0% |
| Participant deferral / active EE | $0 | $4,554-100.0% | $3,603-100.0% | $5,851-100.0% |
| Admin fee / account holder | $2,548 | $8,081-68.5% | $5,420-53.0% | $11,599-78.0% |