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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 | $53,244 | $111,814-52.4% | $93,654-43.1% | $145,959-63.5% |
| Participation rate | 0.0% | 74.2%-74.2pp | 68.7%-68.7pp | 80.3%-80.3pp |
| Annual return | 13.26% | 203.30%-190.0pp | 133.34%-120.1pp | 561.95%-548.7pp |
| Employer contribution / active EE | $64,144 | $3,092+1974.8% | $2,421+2549.6% | $4,661+1276.2% |
| Participant deferral / active EE | $148,451 | $4,914+2920.7% | $4,413+3264.1% | $6,689+2119.5% |
| Admin fee / account holder | $15,643 | $10,246+52.7% | $8,282+88.9% | $13,398+16.8% |