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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 | $38,655 | $88,672-56.4% | $105,223-63.3% | $82,448-53.1% |
| Participation rate | 43.5% | 67.9%-24.4pp | 75.0%-31.6pp | 68.1%-24.6pp |
| Annual return | 65.59% | 30.86%+34.7pp | 180.65%-115.1pp | 41.64%+24.0pp |
| Employer contribution / active EE | $0 | $3,048-100.0% | $3,689-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $0 | $4,036-100.0% | $5,072-100.0% | $4,139-100.0% |
| Admin fee / account holder | $421 | $7,146-94.1% | $8,859-95.3% | $7,234-94.2% |