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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 | $154,915 | $101,778+52.2% | $164,975-6.1% | $80,925+91.4% |
| Participation rate | 58.5% | 71.8%-13.3pp | 78.6%-20.1pp | 67.7%-9.1pp |
| Annual return | 13.89% | 16.73%-2.8pp | 70.12%-56.2pp | 35.65%-21.8pp |
| Employer contribution / active EE | $0 | $2,954-100.0% | $4,343-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $0 | $4,477-100.0% | $6,033-100.0% | $4,299-100.0% |
| Admin fee / account holder | $7,617 | $8,221-7.4% | $12,688-40.0% | $6,940+9.7% |