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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 | $145,751 | $71,230+104.6% | $93,727+55.5% | $80,959+80.0% |
| Participation rate | 24.2% | 60.4%-36.2pp | 68.7%-44.5pp | 67.7%-43.4pp |
| Annual return | 34.28% | 11.26%+23.0pp | 133.83%-99.5pp | 35.67%-1.4pp |
| Employer contribution / active EE | $0 | $1,565-100.0% | $2,421-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $0 | $4,037-100.0% | $4,417-100.0% | $4,300-100.0% |
| Admin fee / account holder | $2,268 | $6,961-67.4% | $8,292-72.6% | $6,925-67.3% |