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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 | $103,447 | $35,183+194.0% | $73,550+40.6% | $70,126+47.5% |
| Participation rate | 14.3% | 42.9%-28.6pp | 54.9%-40.6pp | 69.5%-55.3pp |
| Annual return | 13.16% | 26.90%-13.7pp | -15.16%+28.3pp | 73.15%-60.0pp |
| Employer contribution / active EE | $0 | $709-100.0% | $1,219-100.0% | $2,343-100.0% |
| Participant deferral / active EE | $0 | $1,220-100.0% | $1,804-100.0% | $3,332-100.0% |
| Admin fee / account holder | $6,350 | $2,302+175.8% | $2,320+173.7% | $4,645+36.7% |