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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 | $60,921 | $175,231-65.2% | $149,696-59.3% | $139,466-56.3% |
| Participation rate | 0.0% | 83.4%-83.4pp | 78.8%-78.8pp | 80.3%-80.3pp |
| Annual return | 19.87% | 166.77%-146.9pp | 134.46%-114.6pp | 373.66%-353.8pp |
| Employer contribution / active EE | $22,756 | $5,478+315.4% | $4,821+372.0% | $4,754+378.7% |
| Participant deferral / active EE | $43,766 | $6,521+571.1% | $5,682+670.3% | $6,712+552.1% |
| Admin fee / account holder | $4,701 | $16,155-70.9% | $13,212-64.4% | $11,409-58.8% |