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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 | $174,660 | $227,399-23.2% | $189,758-8.0% | $198,609-12.1% |
| Participation rate | 0.0% | 84.0%-84.0pp | 79.8%-79.8pp | 82.4%-82.4pp |
| Annual return | 5.37% | 61.03%-55.7pp | 52.62%-47.3pp | 202.70%-197.3pp |
| Employer contribution / active EE | $27,730 | $5,526+401.8% | $4,767+481.8% | $5,055+448.5% |
| Participant deferral / active EE | $38,294 | $6,837+460.1% | $5,856+553.9% | $6,977+448.9% |
| Admin fee / account holder | $134,072 | $25,162+432.8% | $20,388+557.6% | $19,030+604.5% |