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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 | $83,615 | $92,766-9.9% | $82,763+1.0% | $134,545-37.9% |
| Participation rate | 15.4% | 75.2%-59.8pp | 72.6%-57.2pp | 81.2%-65.8pp |
| Annual return | 28.35% | 946.97%-918.6pp | 702.45%-674.1pp | 418.37%-390.0pp |
| Employer contribution / active EE | $0 | $3,273-100.0% | $3,008-100.0% | $4,742-100.0% |
| Participant deferral / active EE | $0 | $4,802-100.0% | $4,395-100.0% | $6,401-100.0% |
| Admin fee / account holder | $871 | $5,978-85.4% | $5,325-83.6% | $11,431-92.4% |