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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 | $129,310 | $155,555-16.9% | $146,866-12.0% | $155,188-16.7% |
| Participation rate | 60.0% | 84.0%-24.0pp | 82.5%-22.5pp | 80.8%-20.8pp |
| Annual return | 16.92% | 115.41%-98.5pp | 102.85%-85.9pp | 148.84%-131.9pp |
| Employer contribution / active EE | $8,714 | $4,647+87.5% | $4,425+97.0% | $4,248+105.2% |
| Participant deferral / active EE | $32,570 | $8,044+304.9% | $7,759+319.8% | $6,531+398.7% |
| Admin fee / account holder | $7,190 | $14,755-51.3% | $13,620-47.2% | $14,480-50.3% |