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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 | $31,038 | $159,934-80.6% | $147,005-78.9% | $145,959-78.7% |
| Participation rate | 50.0% | 84.0%-34.0pp | 82.2%-32.2pp | 80.3%-30.3pp |
| Annual return | 91.23% | 98.24%-7.0pp | 418.76%-327.5pp | 561.95%-470.7pp |
| Employer contribution / active EE | $20,656 | $5,287+290.7% | $4,934+318.6% | $4,661+343.2% |
| Participant deferral / active EE | $62,619 | $8,427+643.0% | $8,070+676.0% | $6,689+836.2% |
| Admin fee / account holder | $28,504 | $15,053+89.4% | $13,006+119.2% | $13,398+112.7% |