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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 | $40,211 | $162,136-75.2% | $152,301-73.6% | $154,746-74.0% |
| Participation rate | 33.3% | 84.1%-50.8pp | 82.4%-49.1pp | 80.7%-47.4pp |
| Annual return | 26.63% | 91.02%-64.4pp | 80.50%-53.9pp | 172.34%-145.7pp |
| Employer contribution / active EE | $18,827 | $4,890+285.0% | $4,624+307.1% | $4,379+329.9% |
| Participant deferral / active EE | $22,263 | $8,341+166.9% | $8,004+178.2% | $6,730+230.8% |
| Admin fee / account holder | $6,323 | $15,759-59.9% | $14,398-56.1% | $14,365-56.0% |