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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 | $36,948+87.8% | $73,658-5.8% | $87,485-20.7% |
| Participation rate | 6.1% | 46.8%-40.8pp | 57.0%-51.0pp | 68.9%-62.9pp |
| Annual return | 15.98% | 28.64%-12.7pp | 29.72%-13.7pp | 26.06%-10.1pp |
| Employer contribution / active EE | $0 | $670-100.0% | $1,032-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $0 | $1,379-100.0% | $2,062-100.0% | $4,274-100.0% |
| Admin fee / account holder | $5,956 | $2,531+135.3% | $3,357+77.4% | $7,775-23.4% |