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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 | $143,084 | $106,247+34.7% | $96,515+48.3% | $139,466+2.6% |
| Participation rate | 9.5% | 77.8%-68.3pp | 74.3%-64.8pp | 80.3%-70.8pp |
| Annual return | 19.28% | 38.47%-19.2pp | 35.73%-16.4pp | 373.66%-354.4pp |
| Employer contribution / active EE | $0 | $4,106-100.0% | $3,740-100.0% | $4,754-100.0% |
| Participant deferral / active EE | $0 | $5,456-100.0% | $4,880-100.0% | $6,712-100.0% |
| Admin fee / account holder | $8,680 | $7,885+10.1% | $6,735+28.9% | $11,409-23.9% |