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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 | $19,650 | $124,425-84.2% | $112,040-82.5% | $137,256-85.7% |
| Participation rate | 0.0% | 79.3%-79.3pp | 76.5%-76.5pp | 80.0%-80.0pp |
| Annual return | 13.89% | 24.72%-10.8pp | 24.52%-10.6pp | 220.34%-206.4pp |
| Employer contribution / active EE | $4,994 | $3,411+46.4% | $2,954+69.1% | $4,156+20.2% |
| Participant deferral / active EE | $27,635 | $5,718+383.3% | $5,098+442.1% | $6,407+331.3% |
| Admin fee / account holder | $1,506 | $15,207-90.1% | $12,098-87.6% | $12,270-87.7% |