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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 | $162,136-20.2% | $152,301-15.1% | $154,746-16.4% |
| Participation rate | 60.0% | 84.1%-24.1pp | 82.4%-22.4pp | 80.7%-20.7pp |
| Annual return | 16.92% | 91.02%-74.1pp | 80.50%-63.6pp | 172.34%-155.4pp |
| Employer contribution / active EE | $8,714 | $4,890+78.2% | $4,624+88.4% | $4,379+99.0% |
| Participant deferral / active EE | $32,570 | $8,341+290.5% | $8,004+306.9% | $6,730+383.9% |
| Admin fee / account holder | $7,190 | $15,759-54.4% | $14,398-50.1% | $14,365-49.9% |