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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 | $64,581 | $127,790-49.5% | $106,554-39.4% | $167,553-61.5% |
| Participation rate | 23.1% | 78.3%-55.2pp | 76.1%-53.1pp | 82.1%-59.0pp |
| Annual return | 12.27% | 33.88%-21.6pp | 26.80%-14.5pp | 478.89%-466.6pp |
| Employer contribution / active EE | $0 | $3,427-100.0% | $2,819-100.0% | $4,840-100.0% |
| Participant deferral / active EE | $0 | $5,088-100.0% | $4,398-100.0% | $6,343-100.0% |
| Admin fee / account holder | $926 | $11,231-91.8% | $7,408-87.5% | $12,316-92.5% |