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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 | $30,268 | $100,970-70.0% | $96,576-68.7% | $137,256-77.9% |
| Participation rate | 63.6% | 82.6%-19.0pp | 81.4%-17.8pp | 80.0%-16.3pp |
| Annual return | 14.38% | 38.16%-23.8pp | 38.47%-24.1pp | 220.34%-206.0pp |
| Employer contribution / active EE | $368 | $3,809-90.3% | $3,553-89.6% | $4,156-91.1% |
| Participant deferral / active EE | $5,090 | $8,286-38.6% | $7,956-36.0% | $6,407-20.5% |
| Admin fee / account holder | $5,478 | $11,312-51.6% | $11,381-51.9% | $12,270-55.4% |