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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 | $41,538 | $162,136-74.4% | $152,301-72.7% | $154,746-73.2% |
| Participation rate | 50.0% | 84.1%-34.1pp | 82.4%-32.4pp | 80.7%-30.7pp |
| Annual return | 15.94% | 91.02%-75.1pp | 80.50%-64.6pp | 172.34%-156.4pp |
| Employer contribution / active EE | $1,305 | $4,890-73.3% | $4,624-71.8% | $4,379-70.2% |
| Participant deferral / active EE | $3,161 | $8,341-62.1% | $8,004-60.5% | $6,730-53.0% |
| Admin fee / account holder | $6,368 | $15,759-59.6% | $14,398-55.8% | $14,365-55.7% |