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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 | $69,291 | $109,372-36.6% | $89,414-22.5% | $158,966-56.4% |
| Participation rate | 66.7% | 74.3%-7.6pp | 68.0%-1.3pp | 82.0%-15.3pp |
| Annual return | 16.15% | 345.55%-329.4pp | 245.50%-229.3pp | 302.95%-286.8pp |
| Employer contribution / active EE | $1,392 | $3,171-56.1% | $2,586-46.2% | $4,762-70.8% |
| Participant deferral / active EE | $3,290 | $4,598-28.5% | $3,890-15.4% | $5,983-45.0% |
| Admin fee / account holder | $10,013 | $6,156+62.6% | $4,883+105.0% | $11,250-11.0% |