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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 | $151,427-73.2% | $112,860-64.0% | $154,746-73.7% |
| Participation rate | 26.3% | 69.1%-42.8pp | 66.3%-40.0pp | 80.7%-54.4pp |
| Annual return | 12.10% | 30.95%-18.9pp | 35.26%-23.2pp | 172.34%-160.2pp |
| Employer contribution / active EE | $0 | $2,750-100.0% | $2,206-100.0% | $4,379-100.0% |
| Participant deferral / active EE | $0 | $4,285-100.0% | $3,493-100.0% | $6,730-100.0% |
| Admin fee / account holder | $4,055 | $7,369-45.0% | $6,841-40.7% | $14,365-71.8% |