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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 | $160,028-80.6% | $147,080-78.9% | $145,884-78.7% |
| Participation rate | 50.0% | 84.0%-34.0pp | 82.2%-32.2pp | 80.3%-30.3pp |
| Annual return | 91.23% | 98.60%-7.4pp | 420.17%-328.9pp | 551.85%-460.6pp |
| Employer contribution / active EE | $20,656 | $5,286+290.8% | $4,933+318.7% | $4,662+343.0% |
| Participant deferral / active EE | $62,619 | $8,422+643.5% | $8,066+676.3% | $6,690+836.1% |
| Admin fee / account holder | $28,504 | $15,030+89.6% | $12,989+119.4% | $13,392+112.8% |