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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 | $69,377 | $29,319+136.6% | $52,425+32.3% | $82,448-15.9% |
| Participation rate | 6.1% | 46.9%-40.8pp | 55.6%-49.6pp | 68.1%-62.0pp |
| Annual return | 15.98% | 535.20%-519.2pp | 302.12%-286.1pp | 41.64%-25.7pp |
| Employer contribution / active EE | $0 | $586-100.0% | $914-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $0 | $1,171-100.0% | $1,790-100.0% | $4,139-100.0% |
| Admin fee / account holder | $5,956 | $1,962+203.5% | $2,495+138.7% | $7,234-17.7% |