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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 | $25,571 | $59,819-57.3% | $79,583-67.9% | $68,490-62.7% |
| Participation rate | 37.7% | 61.1%-23.4pp | 69.5%-31.8pp | 67.9%-30.2pp |
| Annual return | 22.46% | -12.30%+34.8pp | 0.16%+22.3pp | -7.85%+30.3pp |
| Employer contribution / active EE | $0 | $1,505-100.0% | $2,414-100.0% | $2,597-100.0% |
| Participant deferral / active EE | $0 | $3,025-100.0% | $3,986-100.0% | $4,028-100.0% |
| Admin fee / account holder | $691 | $4,835-85.7% | $6,835-89.9% | $5,403-87.2% |