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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 | $22,978 | $56,339-59.2% | $104,301-78.0% | $68,486-66.4% |
| Participation rate | 52.7% | 63.3%-10.6pp | 73.3%-20.6pp | 67.9%-15.2pp |
| Annual return | 109.08% | -9.19%+118.3pp | 24.61%+84.5pp | -7.85%+116.9pp |
| Employer contribution / active EE | $0 | $1,960-100.0% | $3,373-100.0% | $2,597-100.0% |
| Participant deferral / active EE | $0 | $3,077-100.0% | $4,626-100.0% | $4,028-100.0% |
| Admin fee / account holder | $341 | $4,902-93.0% | $7,340-95.4% | $5,404-93.7% |