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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 | $141,573 | $99,345+42.5% | $84,753+67.0% | $273,972-48.3% |
| Participation rate | 26.7% | 80.7%-54.0pp | 76.6%-49.9pp | 83.0%-56.3pp |
| Annual return | 4.78% | 22.93%-18.1pp | 22.78%-18.0pp | 41.46%-36.7pp |
| Employer contribution / active EE | $0 | $4,214-100.0% | $3,574-100.0% | $4,869-100.0% |
| Participant deferral / active EE | $0 | $4,270-100.0% | $3,712-100.0% | $5,287-100.0% |
| Admin fee / account holder | $1,137 | $6,645-82.9% | $5,333-78.7% | $10,133-88.8% |