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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 | $197,694 | $73,787+167.9% | $98,716+100.3% | $82,448+139.8% |
| Participation rate | 22.9% | 61.4%-38.6pp | 69.3%-46.4pp | 68.1%-45.2pp |
| Annual return | 23.38% | 18.57%+4.8pp | 31.81%-8.4pp | 41.64%-18.3pp |
| Employer contribution / active EE | $0 | $1,511-100.0% | $2,279-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $0 | $3,081-100.0% | $4,048-100.0% | $4,139-100.0% |
| Admin fee / account holder | $6,349 | $6,500-2.3% | $8,703-27.0% | $7,234-12.2% |