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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).
Retirees and beneficiaries make up 25% or more of total participants - indicates an ageing workforce or a frozen plan.
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 | $85,244 | $209,428-59.3% | $178,498-52.2% | $158,950-46.4% |
| Participation rate | 50.0% | 86.4%-36.4pp | 81.9%-31.9pp | 82.0%-32.0pp |
| Annual return | 33.29% | 188.78%-155.5pp | 151.09%-117.8pp | 302.91%-269.6pp |
| Employer contribution / active EE | $12,282 | $5,707+115.2% | $5,011+145.1% | $4,762+157.9% |
| Participant deferral / active EE | $19,157 | $5,955+221.7% | $5,202+268.3% | $5,983+220.2% |
| Admin fee / account holder | $929 | $17,077-94.6% | $13,985-93.4% | $11,248-91.7% |