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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 | $142,678 | $171,492-16.8% | $150,734-5.3% | $198,609-28.2% |
| Participation rate | 50.0% | 81.4%-31.4pp | 78.4%-28.4pp | 82.4%-32.4pp |
| Annual return | 11.86% | 804.70%-792.8pp | 600.81%-588.9pp | 202.70%-190.8pp |
| Employer contribution / active EE | $3,261 | $5,470-40.4% | $4,918-33.7% | $5,055-35.5% |
| Participant deferral / active EE | $11,133 | $6,259+77.9% | $5,610+98.5% | $6,977+59.6% |
| Admin fee / account holder | $23,240 | $17,628+31.8% | $14,905+55.9% | $19,030+22.1% |