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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 | $41,141 | $34,316+19.9% | $74,723-44.9% | $72,976-43.6% |
| Participation rate | 11.8% | 42.4%-30.6pp | 54.5%-42.7pp | 69.5%-57.7pp |
| Annual return | 22.80% | 26.58%-3.8pp | 753.18%-730.4pp | 81.02%-58.2pp |
| Employer contribution / active EE | $0 | $692-100.0% | $1,084-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $0 | $1,272-100.0% | $1,962-100.0% | $3,608-100.0% |
| Admin fee / account holder | $4,734 | $2,125+122.8% | $3,335+42.0% | $5,124-7.6% |