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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 | $34,455 | $127,100-72.9% | $105,738-67.4% | $135,379-74.5% |
| Participation rate | 38.5% | 82.7%-44.2pp | 76.3%-37.9pp | 82.6%-44.2pp |
| Annual return | -0.96% | 4.49%-5.5pp | 6.27%-7.2pp | 519.79%-520.7pp |
| Employer contribution / active EE | $0 | $4,107-100.0% | $3,268-100.0% | $4,779-100.0% |
| Participant deferral / active EE | $0 | $5,064-100.0% | $4,080-100.0% | $5,609-100.0% |
| Admin fee / account holder | $2,666 | $9,087-70.7% | $6,913-61.4% | $10,828-75.4% |