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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 | $19,207 | $110,248-82.6% | $95,728-79.9% | $139,456-86.2% |
| Participation rate | 38.9% | 75.7%-36.9pp | 72.3%-33.4pp | 80.3%-41.4pp |
| Annual return | 21.27% | 27.16%-5.9pp | 28.40%-7.1pp | 373.45%-352.2pp |
| Employer contribution / active EE | $0 | $3,258-100.0% | $2,835-100.0% | $4,753-100.0% |
| Participant deferral / active EE | $0 | $4,675-100.0% | $4,245-100.0% | $6,711-100.0% |
| Admin fee / account holder | $721 | $6,607-89.1% | $5,673-87.3% | $11,407-93.7% |