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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 | $86,806 | $32,117+170.3% | $71,086+22.1% | $64,173+35.3% |
| Participation rate | 46.9% | 42.7%+4.2pp | 54.7%-7.8pp | 69.6%-22.7pp |
| Annual return | 2.21% | -5.57%+7.8pp | 650.59%-648.4pp | 7.63%-5.4pp |
| Employer contribution / active EE | $0 | $712-100.0% | $1,088-100.0% | $2,381-100.0% |
| Participant deferral / active EE | $0 | $1,263-100.0% | $1,874-100.0% | $3,470-100.0% |
| Admin fee / account holder | $373 | $2,759-86.5% | $3,082-87.9% | $4,887-92.4% |