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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 | $42,792 | $135,645-68.5% | $110,243-61.2% | $135,379-68.4% |
| Participation rate | 0.0% | 83.5%-83.5pp | 79.8%-79.8pp | 82.6%-82.6pp |
| Annual return | -7.12% | 513.24%-520.4pp | 314.76%-321.9pp | 519.79%-526.9pp |
| Employer contribution / active EE | $20,731 | $4,907+322.5% | $3,827+441.7% | $4,779+333.8% |
| Participant deferral / active EE | $45,319 | $5,507+722.9% | $4,672+870.0% | $5,609+708.0% |
| Admin fee / account holder | $834 | $11,458-92.7% | $8,548-90.2% | $10,828-92.3% |