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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 | $60,303 | $105,866-43.0% | $90,766-33.6% | $134,545-55.2% |
| Participation rate | 23.1% | 78.3%-55.2pp | 75.7%-52.6pp | 81.2%-58.2pp |
| Annual return | -16.80% | -10.99%-5.8pp | -12.16%-4.6pp | 418.37%-435.2pp |
| Employer contribution / active EE | $0 | $3,464-100.0% | $2,922-100.0% | $4,742-100.0% |
| Participant deferral / active EE | $0 | $5,217-100.0% | $4,565-100.0% | $6,401-100.0% |
| Admin fee / account holder | $1,243 | $13,938-91.1% | $8,446-85.3% | $11,431-89.1% |