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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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 | $47,619 | $217,432-78.1% | $185,849-74.4% | $167,536-71.6% |
| Participation rate | 50.0% | 86.1%-36.1pp | 81.7%-31.7pp | 82.1%-32.1pp |
| Annual return | 14.36% | 148.42%-134.1pp | 122.10%-107.7pp | 478.82%-464.5pp |
| Employer contribution / active EE | $2,345 | $5,875-60.1% | $5,169-54.6% | $4,839-51.5% |
| Participant deferral / active EE | $9,750 | $6,357+53.4% | $5,569+75.1% | $6,342+53.7% |
| Admin fee / account holder | $17 | $19,818-99.9% | $16,244-99.9% | $12,315-99.9% |