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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 | $20,405 | $175,257-88.4% | $149,717-86.4% | $139,456-85.4% |
| Participation rate | 0.0% | 83.4%-83.4pp | 78.8%-78.8pp | 80.3%-80.3pp |
| Annual return | 24.47% | 166.70%-142.2pp | 134.41%-109.9pp | 373.45%-349.0pp |
| Employer contribution / active EE | $26,883 | $5,477+390.9% | $4,820+457.8% | $4,753+465.6% |
| Participant deferral / active EE | $49,046 | $6,521+652.1% | $5,682+763.2% | $6,711+630.8% |
| Admin fee / account holder | $2,220 | $16,156-86.3% | $13,213-83.2% | $11,407-80.5% |