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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 | $49,266 | $172,111-71.4% | $150,298-67.2% | $137,256-64.1% |
| Participation rate | 66.7% | 81.7%-15.0pp | 77.8%-11.1pp | 80.0%-13.3pp |
| Annual return | 12.13% | 69.37%-57.2pp | 62.79%-50.7pp | 220.34%-208.2pp |
| Employer contribution / active EE | $5,642 | $4,636+21.7% | $4,154+35.8% | $4,156+35.8% |
| Participant deferral / active EE | $26,588 | $6,166+331.2% | $5,453+387.6% | $6,407+315.0% |
| Admin fee / account holder | $74,919 | $16,471+354.9% | $14,116+430.7% | $12,270+510.6% |