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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 | $235,812 | $156,616+50.6% | $133,346+76.8% | $198,609+18.7% |
| Participation rate | 0.0% | 77.7%-77.7pp | 72.8%-72.8pp | 82.4%-82.4pp |
| Annual return | 14.67% | 44.25%-29.6pp | 36.85%-22.2pp | 202.70%-188.0pp |
| Employer contribution / active EE | $15,010 | $3,368+345.7% | $2,853+426.0% | $5,055+196.9% |
| Participant deferral / active EE | $21,574 | $4,920+338.5% | $4,332+398.0% | $6,977+209.2% |
| Admin fee / account holder | $31,833 | $17,468+82.2% | $14,264+123.2% | $19,030+67.3% |