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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 | $117,829+17.7% | $102,423+35.5% | $145,877-4.9% |
| Participation rate | 50.0% | 78.6%-28.6pp | 76.5%-26.5pp | 80.3%-30.3pp |
| Annual return | 61.91% | 31.83%+30.1pp | 29.42%+32.5pp | 551.28%-489.4pp |
| Employer contribution / active EE | $4,156 | $3,615+15.0% | $3,023+37.5% | $4,663-10.9% |
| Participant deferral / active EE | $10,985 | $5,732+91.6% | $5,054+117.3% | $6,691+64.2% |
| Admin fee / account holder | $15,788 | $13,335+18.4% | $9,455+67.0% | $13,402+17.8% |