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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 | $55,687 | $84,685-34.2% | $73,836-24.6% | $125,389-55.6% |
| Participation rate | 42.9% | 76.8%-33.9pp | 73.4%-30.6pp | 83.2%-40.3pp |
| Annual return | 2.56% | 3123.80%-3121.2pp | 2268.06%-2265.5pp | 282.24%-279.7pp |
| Employer contribution / active EE | $2,995 | $3,123-4.1% | $2,787+7.4% | $4,866-38.5% |
| Participant deferral / active EE | $6,065 | $3,993+51.9% | $3,583+69.3% | $5,352+13.3% |
| Admin fee / account holder | $4,152 | $5,694-27.1% | $4,882-14.9% | $9,541-56.5% |