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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 | $55,456 | $183,627-69.8% | $155,602-64.4% | $145,978-62.0% |
| Participation rate | 66.7% | 82.7%-16.0pp | 78.2%-11.5pp | 80.3%-13.6pp |
| Annual return | 14.24% | 61.32%-47.1pp | 64.81%-50.6pp | 550.52%-536.3pp |
| Employer contribution / active EE | $3,845 | $5,316-27.7% | $4,675-17.8% | $4,662-17.5% |
| Participant deferral / active EE | $10,189 | $6,466+57.6% | $5,629+81.0% | $6,690+52.3% |
| Admin fee / account holder | $2,958 | $19,327-84.7% | $15,923-81.4% | $13,400-77.9% |