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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 | $179,375 | $208,088-13.8% | $186,193-3.7% | $154,746+15.9% |
| Participation rate | 50.0% | 80.0%-30.0pp | 77.1%-27.1pp | 80.7%-30.7pp |
| Annual return | 17.03% | 89.97%-72.9pp | 78.03%-61.0pp | 172.34%-155.3pp |
| Employer contribution / active EE | $149,144 | $4,340+3336.6% | $3,918+3706.5% | $4,379+3305.8% |
| Participant deferral / active EE | $250,598 | $7,078+3440.6% | $6,513+3747.6% | $6,730+3623.4% |
| Admin fee / account holder | $10,302 | $11,698-11.9% | $11,058-6.8% | $14,365-28.3% |