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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 | $70,083 | $125,193-44.0% | $105,591-33.6% | $145,978-52.0% |
| Participation rate | 23.1% | 77.6%-54.6pp | 75.3%-52.2pp | 80.3%-57.2pp |
| Annual return | 9.59% | 225.53%-215.9pp | 116.43%-106.8pp | 550.52%-540.9pp |
| Employer contribution / active EE | $0 | $3,718-100.0% | $3,166-100.0% | $4,662-100.0% |
| Participant deferral / active EE | $0 | $5,708-100.0% | $5,008-100.0% | $6,690-100.0% |
| Admin fee / account holder | $15,729 | $17,277-9.0% | $11,024+42.7% | $13,400+17.4% |