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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 | $98,396 | $175,257-43.9% | $149,717-34.3% | $139,456-29.4% |
| Participation rate | 33.3% | 83.4%-50.1pp | 78.8%-45.4pp | 80.3%-47.0pp |
| Annual return | 11.94% | 166.70%-154.8pp | 134.41%-122.5pp | 373.45%-361.5pp |
| Employer contribution / active EE | $17,551 | $5,477+220.5% | $4,820+264.1% | $4,753+269.3% |
| Participant deferral / active EE | $21,250 | $6,521+225.9% | $5,682+274.0% | $6,711+216.6% |
| Admin fee / account holder | $1,834 | $16,156-88.6% | $13,213-86.1% | $11,407-83.9% |