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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 | $30,025 | $176,838-83.0% | $146,685-79.5% | $167,518-82.1% |
| Participation rate | 27.3% | 83.6%-56.3pp | 80.1%-52.8pp | 82.1%-54.8pp |
| Annual return | 12.81% | 24.04%-11.2pp | 22.75%-9.9pp | 478.71%-465.9pp |
| Employer contribution / active EE | $0 | $5,161-100.0% | $4,137-100.0% | $4,838-100.0% |
| Participant deferral / active EE | $0 | $6,441-100.0% | $5,507-100.0% | $6,342-100.0% |
| Admin fee / account holder | $689 | $13,262-94.8% | $10,281-93.3% | $12,312-94.4% |