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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 | $12,853 | $67,823-81.0% | $52,425-75.5% | $137,256-90.6% |
| Participation rate | 26.1% | 63.9%-37.8pp | 55.6%-29.5pp | 80.0%-53.9pp |
| Annual return | 15.47% | 219.11%-203.6pp | 302.12%-286.6pp | 220.34%-204.9pp |
| Employer contribution / active EE | $0 | $1,163-100.0% | $914-100.0% | $4,156-100.0% |
| Participant deferral / active EE | $0 | $2,288-100.0% | $1,790-100.0% | $6,407-100.0% |
| Admin fee / account holder | $620 | $2,844-78.2% | $2,495-75.2% | $12,270-94.9% |