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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 | $60,946 | $104,924-41.9% | $84,623-28.0% | $152,885-60.1% |
| Participation rate | 57.1% | 74.8%-17.7pp | 68.2%-11.1pp | 82.5%-25.3pp |
| Annual return | 21.91% | 373.82%-351.9pp | 258.77%-236.9pp | 345.39%-323.5pp |
| Employer contribution / active EE | $1,309 | $3,302-60.4% | $2,652-50.7% | $4,763-72.5% |
| Participant deferral / active EE | $4,417 | $4,689-5.8% | $3,899+13.3% | $5,851-24.5% |
| Admin fee / account holder | $13,245 | $6,242+112.2% | $4,913+169.6% | $11,598+14.2% |