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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 | $139,710 | $117,904+18.5% | $102,457+36.4% | $145,978-4.3% |
| Participation rate | 0.0% | 78.6%-78.6pp | 76.5%-76.5pp | 80.3%-80.3pp |
| Annual return | 15.95% | 31.80%-15.8pp | 29.41%-13.5pp | 550.52%-534.6pp |
| Employer contribution / active EE | $41,490 | $3,613+1048.2% | $3,022+1272.9% | $4,662+790.0% |
| Participant deferral / active EE | $82,335 | $5,733+1336.1% | $5,054+1529.0% | $6,690+1130.8% |
| Admin fee / account holder | $14,159 | $13,329+6.2% | $9,451+49.8% | $13,400+5.7% |