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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 | $116,217 | $113,941+2.0% | $94,229+23.3% | $125,389-7.3% |
| Participation rate | 56.3% | 82.9%-26.6pp | 78.8%-22.5pp | 83.2%-26.9pp |
| Annual return | 2.24% | 5.29%-3.0pp | 10.68%-8.4pp | 282.24%-280.0pp |
| Employer contribution / active EE | $0 | $4,727-100.0% | $3,587-100.0% | $4,866-100.0% |
| Participant deferral / active EE | $0 | $5,179-100.0% | $4,320-100.0% | $5,352-100.0% |
| Admin fee / account holder | $2,033 | $8,392-75.8% | $6,269-67.6% | $9,541-78.7% |