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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.
Plan reported a final filing / termination within the last year.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $27,338 | $108,897-74.9% | $100,378-72.8% | $145,877-81.3% |
| Participation rate | 50.0% | 83.0%-33.0pp | 81.5%-31.5pp | 80.3%-30.3pp |
| Annual return | 28.10% | 58.17%-30.1pp | 49.41%-21.3pp | 551.28%-523.2pp |
| Employer contribution / active EE | $1,364 | $4,420-69.1% | $3,942-65.4% | $4,663-70.8% |
| Participant deferral / active EE | $2,262 | $8,455-73.2% | $8,087-72.0% | $6,691-66.2% |
| Admin fee / account holder | $324 | $9,690-96.7% | $7,899-95.9% | $13,402-97.6% |