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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 | $40,635 | $122,962-67.0% | $71,585-43.2% | $138,895-70.7% |
| Participation rate | 26.3% | 68.9%-42.5pp | 68.2%-41.8pp | 79.9%-53.6pp |
| Annual return | 12.10% | 37.84%-25.7pp | 59.26%-47.2pp | 145.39%-133.3pp |
| Employer contribution / active EE | $0 | $2,620-100.0% | $1,669-100.0% | $4,194-100.0% |
| Participant deferral / active EE | $0 | $4,311-100.0% | $2,923-100.0% | $6,396-100.0% |
| Admin fee / account holder | $4,055 | $6,488-37.5% | $4,712-13.9% | $12,562-67.7% |