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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 | $138,741 | $117,895+17.7% | $102,460+35.4% | $145,897-4.9% |
| Participation rate | 50.0% | 78.6%-28.6pp | 76.5%-26.5pp | 80.3%-30.3pp |
| Annual return | 61.91% | 31.92%+30.0pp | 29.47%+32.4pp | 552.29%-490.4pp |
| Employer contribution / active EE | $4,156 | $3,619+14.8% | $3,025+37.4% | $4,663-10.9% |
| Participant deferral / active EE | $10,985 | $5,736+91.5% | $5,056+117.2% | $6,689+64.2% |
| Admin fee / account holder | $15,788 | $13,353+18.2% | $9,460+66.9% | $13,390+17.9% |