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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 | $162,136-54.7% | $152,301-51.7% | $154,746-52.5% |
| Participation rate | 0.0% | 84.1%-84.1pp | 82.4%-82.4pp | 80.7%-80.7pp |
| Annual return | 13.10% | 91.02%-77.9pp | 80.50%-67.4pp | 172.34%-159.2pp |
| Employer contribution / active EE | $11,197 | $4,890+129.0% | $4,624+142.1% | $4,379+155.7% |
| Participant deferral / active EE | $26,105 | $8,341+213.0% | $8,004+226.2% | $6,730+287.9% |
| Admin fee / account holder | $2,532 | $15,759-83.9% | $14,398-82.4% | $14,365-82.4% |