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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 | $77,083 | $156,398-50.7% | $147,318-47.7% | $138,895-44.5% |
| Participation rate | 0.0% | 83.8%-83.8pp | 82.1%-82.1pp | 79.9%-79.9pp |
| Annual return | 15.71% | 78.75%-63.0pp | 70.43%-54.7pp | 145.39%-129.7pp |
| Employer contribution / active EE | $7,140 | $4,853+47.1% | $4,593+55.5% | $4,194+70.2% |
| Participant deferral / active EE | $12,078 | $8,237+46.6% | $7,906+52.8% | $6,396+88.8% |
| Admin fee / account holder | $9,889 | $14,976-34.0% | $13,708-27.9% | $12,562-21.3% |