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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 | $48,265 | $175,257-72.5% | $149,717-67.8% | $139,456-65.4% |
| Participation rate | 0.0% | 83.4%-83.4pp | 78.8%-78.8pp | 80.3%-80.3pp |
| Annual return | 32.76% | 166.70%-133.9pp | 134.41%-101.6pp | 373.45%-340.7pp |
| Employer contribution / active EE | $80,524 | $5,477+1370.3% | $4,820+1570.7% | $4,753+1594.3% |
| Participant deferral / active EE | $97,960 | $6,521+1402.2% | $5,682+1624.1% | $6,711+1359.6% |
| Admin fee / account holder | $2,859 | $16,156-82.3% | $13,213-78.4% | $11,407-74.9% |