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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 | $56,431+16.7% | $130,788-49.6% | $87,485-24.7% |
| Participation rate | 11.3% | 58.9%-47.7pp | 70.1%-58.8pp | 68.9%-57.6pp |
| Annual return | 14.42% | 91.27%-76.9pp | 386.44%-372.0pp | 26.06%-11.6pp |
| Employer contribution / active EE | $0 | $1,549-100.0% | $3,558-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $0 | $2,749-100.0% | $4,137-100.0% | $4,274-100.0% |
| Admin fee / account holder | $1,761 | $4,433-60.3% | $6,673-73.6% | $7,775-77.4% |