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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 | $34,859 | $98,776-64.7% | $149,745-76.7% | $79,856-56.3% |
| Participation rate | 27.5% | 75.8%-48.3pp | 82.5%-55.0pp | 69.6%-42.2pp |
| Annual return | 16.16% | 27.38%-11.2pp | 276.72%-260.6pp | 31.71%-15.6pp |
| Employer contribution / active EE | $0 | $3,217-100.0% | $4,646-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $0 | $5,681-100.0% | $6,843-100.0% | $3,741-100.0% |
| Admin fee / account holder | $1,650 | $6,053-72.7% | $9,312-82.3% | $5,306-68.9% |