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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 | $37,111 | $160,040-76.8% | $147,096-74.8% | $145,877-74.6% |
| Participation rate | 43.8% | 84.0%-40.3pp | 82.2%-38.4pp | 80.3%-36.6pp |
| Annual return | 13.01% | 98.49%-85.5pp | 419.75%-406.7pp | 551.28%-538.3pp |
| Employer contribution / active EE | $2,973 | $5,289-43.8% | $4,936-39.8% | $4,663-36.3% |
| Participant deferral / active EE | $4,865 | $8,429-42.3% | $8,071-39.7% | $6,691-27.3% |
| Admin fee / account holder | $8,263 | $15,050-45.1% | $13,005-36.5% | $13,402-38.3% |