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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 | $72,911 | $113,941-36.0% | $94,229-22.6% | $125,389-41.9% |
| Participation rate | 20.0% | 82.9%-62.9pp | 78.8%-58.8pp | 83.2%-63.2pp |
| Annual return | -2.94% | 5.29%-8.2pp | 10.68%-13.6pp | 282.24%-285.2pp |
| Employer contribution / active EE | $0 | $4,727-100.0% | $3,587-100.0% | $4,866-100.0% |
| Participant deferral / active EE | $0 | $5,179-100.0% | $4,320-100.0% | $5,352-100.0% |
| Admin fee / account holder | $13,205 | $8,392+57.4% | $6,269+110.6% | $9,541+38.4% |