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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 | $51,430 | $54,757-6.1% | $90,304-43.0% | $72,975-29.5% |
| Participation rate | 51.6% | 65.2%-13.5pp | 73.3%-21.7pp | 69.5%-17.9pp |
| Annual return | 16.97% | 30.63%-13.7pp | 78.13%-61.2pp | 81.01%-64.0pp |
| Employer contribution / active EE | $0 | $2,093-100.0% | $2,855-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $0 | $2,887-100.0% | $3,885-100.0% | $3,608-100.0% |
| Admin fee / account holder | $1,380 | $3,973-65.3% | $5,354-74.2% | $5,124-73.1% |