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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 | $107,666-71.9% | $102,184-70.4% | $154,746-80.4% |
| Participation rate | 63.6% | 83.7%-20.1pp | 82.6%-19.0pp | 80.7%-17.1pp |
| Annual return | 14.38% | 29.33%-15.0pp | 31.58%-17.2pp | 172.34%-158.0pp |
| Employer contribution / active EE | $368 | $3,846-90.4% | $3,594-89.8% | $4,379-91.6% |
| Participant deferral / active EE | $5,090 | $8,719-41.6% | $8,309-38.7% | $6,730-24.4% |
| Admin fee / account holder | $5,478 | $12,943-57.7% | $11,609-52.8% | $14,365-61.9% |