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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 | $101,496 | $174,379-41.8% | $152,093-33.3% | $138,895-26.9% |
| Participation rate | 0.0% | 81.6%-81.6pp | 77.8%-77.8pp | 79.9%-79.9pp |
| Annual return | 37.70% | 74.86%-37.2pp | 66.36%-28.7pp | 145.39%-107.7pp |
| Employer contribution / active EE | $35,862 | $4,652+670.9% | $4,175+759.0% | $4,194+755.0% |
| Participant deferral / active EE | $81,191 | $6,159+1218.2% | $5,451+1389.4% | $6,396+1169.4% |
| Admin fee / account holder | $1,597 | $16,880-90.5% | $14,497-89.0% | $12,562-87.3% |