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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 | $12,980 | $85,060-84.7% | $70,548-81.6% | $139,456-90.7% |
| Participation rate | 56.3% | 73.9%-17.7pp | 68.3%-12.1pp | 80.3%-24.1pp |
| Annual return | 21.90% | 30.38%-8.5pp | 32.78%-10.9pp | 373.45%-351.6pp |
| Employer contribution / active EE | $9,702 | $3,911+148.1% | $2,975+226.1% | $4,753+104.1% |
| Participant deferral / active EE | $19,908 | $5,890+238.0% | $4,567+335.9% | $6,711+196.6% |
| Admin fee / account holder | $3,238 | $8,925-63.7% | $6,424-49.6% | $11,407-71.6% |