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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 | $89,259+22.6% | $107,187+2.1% | $82,637+32.4% |
| Participation rate | 17.1% | 67.9%-50.8pp | 75.0%-57.9pp | 68.1%-50.9pp |
| Annual return | 12.76% | 21.02%-8.3pp | 204.55%-191.8pp | 53.51%-40.7pp |
| Employer contribution / active EE | $0 | $3,080-100.0% | $3,782-100.0% | $2,552-100.0% |
| Participant deferral / active EE | $0 | $4,037-100.0% | $5,096-100.0% | $4,126-100.0% |
| Admin fee / account holder | $62,832 | $7,381+751.2% | $9,162+585.8% | $7,339+756.2% |