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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 | $26,395 | $121,677-78.3% | $104,625-74.8% | $158,966-83.4% |
| Participation rate | 0.0% | 77.5%-77.5pp | 74.1%-74.1pp | 82.0%-82.0pp |
| Annual return | 17.67% | 465.58%-447.9pp | 340.60%-322.9pp | 302.95%-285.3pp |
| Employer contribution / active EE | $375 | $3,165-88.2% | $2,681-86.0% | $4,762-92.1% |
| Participant deferral / active EE | $22,469 | $4,175+438.2% | $3,738+501.2% | $5,983+275.5% |
| Admin fee / account holder | $2,938 | $7,777-62.2% | $6,465-54.5% | $11,250-73.9% |