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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 | $39,093 | $117,846-66.8% | $102,434-61.8% | $145,884-73.2% |
| Participation rate | 66.7% | 78.6%-12.0pp | 76.5%-9.8pp | 80.3%-13.6pp |
| Annual return | 12.45% | 31.90%-19.4pp | 29.46%-17.0pp | 551.85%-539.4pp |
| Employer contribution / active EE | $6,728 | $3,615+86.1% | $3,023+122.6% | $4,662+44.3% |
| Participant deferral / active EE | $14,360 | $5,733+150.5% | $5,055+184.1% | $6,690+114.7% |
| Admin fee / account holder | $5,149 | $13,356-61.4% | $9,462-45.6% | $13,392-61.5% |