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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 | $50,786 | $132,634-61.7% | $115,768-56.1% | $137,256-63.0% |
| Participation rate | 0.0% | 77.9%-77.9pp | 74.4%-74.4pp | 80.0%-80.0pp |
| Annual return | 18.31% | 160.70%-142.4pp | 100.46%-82.2pp | 220.34%-202.0pp |
| Employer contribution / active EE | $45,401 | $3,360+1251.4% | $2,940+1444.4% | $4,156+992.4% |
| Participant deferral / active EE | $75,056 | $5,619+1235.9% | $4,917+1426.6% | $6,407+1071.5% |
| Admin fee / account holder | $2,445 | $15,028-83.7% | $12,439-80.3% | $12,270-80.1% |