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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 | $52,790 | $116,203-54.6% | $93,621-43.6% | $152,909-65.5% |
| Participation rate | 23.1% | 78.1%-55.0pp | 75.8%-52.8pp | 82.5%-59.4pp |
| Annual return | 18.31% | 35.96%-17.7pp | 32.76%-14.4pp | 345.46%-327.2pp |
| Employer contribution / active EE | $0 | $3,219-100.0% | $2,719-100.0% | $4,764-100.0% |
| Participant deferral / active EE | $0 | $4,605-100.0% | $4,070-100.0% | $5,851-100.0% |
| Admin fee / account holder | $753 | $10,751-93.0% | $7,890-90.5% | $11,601-93.5% |