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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 | $103,024 | $149,679-31.2% | $117,039-12.0% | $147,586-30.2% |
| Participation rate | 58.8% | 83.5%-24.7pp | 77.2%-18.4pp | 82.8%-24.0pp |
| Annual return | 22.38% | 19.31%+3.1pp | 18.95%+3.4pp | 578.59%-556.2pp |
| Employer contribution / active EE | $0 | $4,937-100.0% | $3,785-100.0% | $4,876-100.0% |
| Participant deferral / active EE | $0 | $4,912-100.0% | $3,929-100.0% | $5,439-100.0% |
| Admin fee / account holder | $782 | $7,856-90.0% | $5,974-86.9% | $10,886-92.8% |