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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 | $109,444 | $96,731+13.1% | $123,973-11.7% | $86,983+25.8% |
| Participation rate | 17.1% | 70.0%-52.9pp | 76.7%-59.5pp | 69.5%-52.4pp |
| Annual return | 12.76% | 17.33%-4.6pp | 388.13%-375.4pp | 25.83%-13.1pp |
| Employer contribution / active EE | $0 | $3,297-100.0% | $4,126-100.0% | $2,584-100.0% |
| Participant deferral / active EE | $0 | $4,152-100.0% | $5,247-100.0% | $4,194-100.0% |
| Admin fee / account holder | $62,832 | $8,722+620.4% | $11,799+432.5% | $7,856+699.8% |