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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 | $20,305 | $183,516-88.9% | $155,534-86.9% | $145,884-86.1% |
| Participation rate | 42.9% | 82.7%-39.8pp | 78.2%-35.4pp | 80.3%-37.4pp |
| Annual return | 16.95% | 61.43%-44.5pp | 64.92%-48.0pp | 551.85%-534.9pp |
| Employer contribution / active EE | $11,255 | $5,315+111.8% | $4,675+140.8% | $4,662+141.4% |
| Participant deferral / active EE | $43,867 | $6,467+578.4% | $5,630+679.1% | $6,690+555.7% |
| Admin fee / account holder | $2,291 | $19,293-88.1% | $15,900-85.6% | $13,392-82.9% |