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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 | $30,702 | $108,911-71.8% | $100,392-69.4% | $145,884-79.0% |
| Participation rate | 50.0% | 83.0%-33.0pp | 81.5%-31.5pp | 80.3%-30.3pp |
| Annual return | 15.29% | 58.23%-42.9pp | 49.45%-34.2pp | 551.85%-536.6pp |
| Employer contribution / active EE | $3,271 | $4,420-26.0% | $3,941-17.0% | $4,662-29.9% |
| Participant deferral / active EE | $4,058 | $8,459-52.0% | $8,090-49.8% | $6,690-39.3% |
| Admin fee / account holder | $2,481 | $9,698-74.4% | $7,904-68.6% | $13,392-81.5% |