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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 | $167,269 | $162,967+2.6% | $135,792+23.2% | $138,895+20.4% |
| Participation rate | 28.6% | 78.3%-49.8pp | 72.6%-44.0pp | 79.9%-51.3pp |
| Annual return | 19.93% | 30.08%-10.1pp | 25.96%-6.0pp | 145.39%-125.5pp |
| Employer contribution / active EE | $0 | $4,211-100.0% | $3,496-100.0% | $4,194-100.0% |
| Participant deferral / active EE | $0 | $5,640-100.0% | $4,759-100.0% | $6,396-100.0% |
| Admin fee / account holder | $8,545 | $15,306-44.2% | $12,266-30.3% | $12,562-32.0% |