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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 | $227,878 | $73,839+208.6% | $143,788+58.5% | $68,495+232.7% |
| Participation rate | 22.5% | 66.7%-44.2pp | 80.3%-57.8pp | 67.9%-45.4pp |
| Annual return | -13.21% | 1.01%-14.2pp | -0.03%-13.2pp | -7.84%-5.4pp |
| Employer contribution / active EE | $0 | $3,184-100.0% | $4,952-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $0 | $3,384-100.0% | $5,638-100.0% | $4,028-100.0% |
| Admin fee / account holder | $71,181 | $5,755+1136.9% | $14,675+385.0% | $5,403+1217.4% |