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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 | $16,576 | $76,522-78.3% | $56,033-70.4% | $145,884-88.6% |
| Participation rate | 55.0% | 63.2%-8.2pp | 52.5%+2.5pp | 80.3%-25.3pp |
| Annual return | 6.51% | 3014.28%-3007.8pp | 1711.38%-1704.9pp | 551.85%-545.3pp |
| Employer contribution / active EE | $0 | $1,382-100.0% | $1,041-100.0% | $4,662-100.0% |
| Participant deferral / active EE | $0 | $2,624-100.0% | $1,954-100.0% | $6,690-100.0% |
| Admin fee / account holder | $392 | $3,328-88.2% | $2,827-86.1% | $13,392-97.1% |