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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 | $28,566 | $108,882-73.8% | $96,754-70.5% | $154,746-81.5% |
| Participation rate | 56.3% | 75.1%-18.8pp | 70.3%-14.0pp | 80.7%-24.5pp |
| Annual return | 12.11% | 98.39%-86.3pp | 82.04%-69.9pp | 172.34%-160.2pp |
| Employer contribution / active EE | $725 | $3,018-76.0% | $2,679-72.9% | $4,379-83.4% |
| Participant deferral / active EE | $1,952 | $5,323-63.3% | $4,758-59.0% | $6,730-71.0% |
| Admin fee / account holder | $2,379 | $10,200-76.7% | $8,905-73.3% | $14,365-83.4% |