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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 | $40,089 | $153,311-73.9% | $109,313-63.3% | $273,972-85.4% |
| Participation rate | 53.3% | 80.1%-26.8pp | 71.3%-17.9pp | 83.0%-29.7pp |
| Annual return | 12.37% | 29.86%-17.5pp | 22.07%-9.7pp | 41.46%-29.1pp |
| Employer contribution / active EE | $0 | $5,619-100.0% | $3,892-100.0% | $4,869-100.0% |
| Participant deferral / active EE | $0 | $3,932-100.0% | $3,166-100.0% | $5,287-100.0% |
| Admin fee / account holder | $1,479 | $8,076-81.7% | $5,666-73.9% | $10,133-85.4% |