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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 | $100,774 | $88,778+13.5% | $81,844+23.1% | $145,884-30.9% |
| Participation rate | 66.7% | 75.1%-8.4pp | 72.4%-5.7pp | 80.3%-13.6pp |
| Annual return | 12.72% | 1033.03%-1020.3pp | 778.87%-766.1pp | 551.85%-539.1pp |
| Employer contribution / active EE | $924 | $3,087-70.1% | $2,916-68.3% | $4,662-80.2% |
| Participant deferral / active EE | $4,820 | $4,648+3.7% | $4,323+11.5% | $6,690-27.9% |
| Admin fee / account holder | $530 | $8,430-93.7% | $7,355-92.8% | $13,392-96.0% |