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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 | $31,717 | $157,296-79.8% | $141,191-77.5% | $152,897-79.3% |
| Participation rate | 66.7% | 84.8%-18.2pp | 82.5%-15.8pp | 82.5%-15.8pp |
| Annual return | 23.32% | 64.34%-41.0pp | 71.41%-48.1pp | 345.43%-322.1pp |
| Employer contribution / active EE | $2,781 | $5,262-47.1% | $4,736-41.3% | $4,764-41.6% |
| Participant deferral / active EE | $10,998 | $7,111+54.7% | $6,710+63.9% | $5,851+88.0% |
| Admin fee / account holder | $4,543 | $12,125-62.5% | $10,264-55.7% | $11,599-60.8% |