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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 | $100,895 | $209,428-51.8% | $178,498-43.5% | $158,950-36.5% |
| Participation rate | 0.0% | 86.4%-86.4pp | 81.9%-81.9pp | 82.0%-82.0pp |
| Annual return | 13.16% | 188.78%-175.6pp | 151.09%-137.9pp | 302.91%-289.8pp |
| Employer contribution / active EE | $13,024 | $5,707+128.2% | $5,011+159.9% | $4,762+173.5% |
| Participant deferral / active EE | $25,059 | $5,955+320.8% | $5,202+381.7% | $5,983+318.8% |
| Admin fee / account holder | $554 | $17,077-96.8% | $13,985-96.0% | $11,248-95.1% |