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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 | $159,010 | $29,736+434.7% | $56,033+183.8% | $80,935+96.5% |
| Participation rate | 48.5% | 41.7%+6.8pp | 52.5%-4.0pp | 67.7%-19.2pp |
| Annual return | 14.03% | 35.28%-21.2pp | 1711.38%-1697.3pp | 35.66%-21.6pp |
| Employer contribution / active EE | $0 | $671-100.0% | $1,041-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $0 | $1,228-100.0% | $1,954-100.0% | $4,299-100.0% |
| Admin fee / account holder | $8,567 | $2,434+252.0% | $2,827+203.0% | $6,924+23.7% |