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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).
Assets per participant exceed $250,000 - top-decile high-value plan.
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 | $497,218 | $181,062+174.6% | $158,223+214.3% | $155,188+220.4% |
| Participation rate | 0.0% | 82.7%-82.7pp | 79.2%-79.2pp | 80.8%-80.8pp |
| Annual return | 16.46% | 57.39%-40.9pp | 52.09%-35.6pp | 148.84%-132.4pp |
| Employer contribution / active EE | $28,344 | $4,565+520.9% | $4,109+589.8% | $4,248+567.3% |
| Participant deferral / active EE | $32,446 | $6,134+428.9% | $5,467+493.5% | $6,531+396.8% |
| Admin fee / account holder | $2,046 | $18,825-89.1% | $16,047-87.3% | $14,480-85.9% |