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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 | $139,948-63.7% | $121,663-58.3% | $154,746-67.2% |
| Participation rate | 0.0% | 78.0%-78.0pp | 74.5%-74.5pp | 80.7%-80.7pp |
| Annual return | 18.31% | 230.52%-212.2pp | 147.54%-129.2pp | 172.34%-154.0pp |
| Employer contribution / active EE | $45,401 | $3,521+1189.5% | $3,020+1403.4% | $4,379+936.8% |
| Participant deferral / active EE | $75,056 | $5,629+1233.4% | $4,887+1435.8% | $6,730+1015.2% |
| Admin fee / account holder | $2,445 | $17,321-85.9% | $14,289-82.9% | $14,365-83.0% |