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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 | $73,492 | $154,228-52.3% | $145,433-49.5% | $137,256-46.5% |
| Participation rate | 0.0% | 83.8%-83.8pp | 82.1%-82.1pp | 80.0%-80.0pp |
| Annual return | 13.10% | 74.59%-61.5pp | 66.58%-53.5pp | 220.34%-207.2pp |
| Employer contribution / active EE | $11,197 | $4,804+133.1% | $4,554+145.8% | $4,156+169.4% |
| Participant deferral / active EE | $26,105 | $8,216+217.7% | $7,897+230.6% | $6,407+307.5% |
| Admin fee / account holder | $2,532 | $14,344-82.3% | $13,129-80.7% | $12,270-79.4% |