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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 | $21,599 | $57,305-62.3% | $86,640-75.1% | $75,173-71.3% |
| Participation rate | 4.2% | 63.2%-59.0pp | 71.7%-67.5pp | 67.2%-63.0pp |
| Annual return | 14.61% | 2674.24%-2659.6pp | 592.52%-577.9pp | 160.72%-146.1pp |
| Employer contribution / active EE | $0 | $2,316-100.0% | $3,024-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $0 | $3,320-100.0% | $4,438-100.0% | $4,126-100.0% |
| Admin fee / account holder | $301 | $4,116-92.7% | $5,616-94.6% | $5,651-94.7% |