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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 | $66,686 | $118,488-43.7% | $98,462-32.3% | $139,487-52.2% |
| Participation rate | 23.1% | 77.5%-54.4pp | 75.2%-52.1pp | 80.3%-57.3pp |
| Annual return | 12.08% | 18.96%-6.9pp | 21.17%-9.1pp | 373.84%-361.8pp |
| Employer contribution / active EE | $0 | $3,611-100.0% | $3,049-100.0% | $4,755-100.0% |
| Participant deferral / active EE | $0 | $5,393-100.0% | $4,738-100.0% | $6,713-100.0% |
| Admin fee / account holder | $1,377 | $13,868-90.1% | $8,875-84.5% | $11,407-87.9% |