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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 | $170,026 | $86,298+97.0% | $111,308+52.8% | $85,847+98.1% |
| Participation rate | 59.3% | 73.3%-14.0pp | 77.3%-18.0pp | 69.3%-10.0pp |
| Annual return | 58.08% | 19.99%+38.1pp | 54.67%+3.4pp | 318.61%-260.5pp |
| Employer contribution / active EE | $0 | $2,044-100.0% | $2,732-100.0% | $2,565-100.0% |
| Participant deferral / active EE | $0 | $3,641-100.0% | $4,487-100.0% | $3,952-100.0% |
| Admin fee / account holder | $3,011 | $8,189-63.2% | $7,965-62.2% | $6,261-51.9% |