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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 | $73,270 | $87,544-16.3% | $75,784-3.3% | $125,388-41.6% |
| Participation rate | 0.0% | 80.2%-80.2pp | 75.8%-75.8pp | 83.2%-83.2pp |
| Annual return | -2.41% | 13.49%-15.9pp | 9.68%-12.1pp | 282.24%-284.6pp |
| Employer contribution / active EE | $33,133 | $3,930+743.1% | $3,323+897.0% | $4,866+580.9% |
| Participant deferral / active EE | $83,158 | $4,229+1866.2% | $3,652+2177.3% | $5,352+1453.9% |
| Admin fee / account holder | $530 | $6,502-91.9% | $5,300-90.0% | $9,541-94.4% |