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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 | $99,053-71.2% | $88,179-67.6% | $138,895-79.4% |
| Participation rate | 56.3% | 74.2%-18.0pp | 69.1%-12.9pp | 79.9%-23.7pp |
| Annual return | 12.11% | 78.17%-66.1pp | 64.97%-52.9pp | 145.39%-133.3pp |
| Employer contribution / active EE | $725 | $2,882-74.8% | $2,549-71.6% | $4,194-82.7% |
| Participant deferral / active EE | $1,952 | $5,225-62.6% | $4,614-57.7% | $6,396-69.5% |
| Admin fee / account holder | $2,379 | $8,748-72.8% | $7,673-69.0% | $12,562-81.1% |