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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 | $65,869 | $65,961-0.1% | $180,320-63.5% | $94,015-29.9% |
| Participation rate | 11.3% | 61.3%-50.0pp | 71.5%-60.2pp | 70.8%-59.5pp |
| Annual return | 14.42% | 14.27%+0.1pp | 778.54%-764.1pp | 17.84%-3.4pp |
| Employer contribution / active EE | $0 | $1,737-100.0% | $4,108-100.0% | $2,790-100.0% |
| Participant deferral / active EE | $0 | $3,003-100.0% | $4,304-100.0% | $4,249-100.0% |
| Admin fee / account holder | $1,761 | $4,901-64.1% | $10,000-82.4% | $8,951-80.3% |