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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 | $108,508 | $117,895-8.0% | $102,460+5.9% | $145,897-25.6% |
| Participation rate | 28.6% | 78.6%-50.1pp | 76.5%-47.9pp | 80.3%-51.7pp |
| Annual return | 14.93% | 31.92%-17.0pp | 29.47%-14.5pp | 552.29%-537.4pp |
| Employer contribution / active EE | $3,012 | $3,619-16.8% | $3,025-0.4% | $4,663-35.4% |
| Participant deferral / active EE | $22,994 | $5,736+300.9% | $5,056+354.8% | $6,689+243.7% |
| Admin fee / account holder | $426 | $13,353-96.8% | $9,460-95.5% | $13,390-96.8% |