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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 | $101,067 | $185,312-45.5% | $161,489-37.4% | $154,746-34.7% |
| Participation rate | 66.7% | 82.5%-15.8pp | 78.7%-12.0pp | 80.7%-14.0pp |
| Annual return | 13.21% | 103.84%-90.6pp | 89.72%-76.5pp | 172.34%-159.1pp |
| Employer contribution / active EE | $6,180 | $4,769+29.6% | $4,268+44.8% | $4,379+41.1% |
| Participant deferral / active EE | $19,388 | $6,350+205.3% | $5,630+244.4% | $6,730+188.1% |
| Admin fee / account holder | $26,237 | $18,654+40.6% | $16,006+63.9% | $14,365+82.6% |