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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).
Assets per participant exceed $250,000 - top-decile high-value plan.
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 | $276,212 | $156,398+76.6% | $147,318+87.5% | $138,895+98.9% |
| Participation rate | 66.7% | 83.8%-17.1pp | 82.1%-15.4pp | 79.9%-13.3pp |
| Annual return | 18.69% | 78.75%-60.1pp | 70.43%-51.7pp | 145.39%-126.7pp |
| Employer contribution / active EE | $59,440 | $4,853+1124.7% | $4,593+1194.2% | $4,194+1317.2% |
| Participant deferral / active EE | $143,804 | $8,237+1645.7% | $7,906+1718.8% | $6,396+2148.3% |
| Admin fee / account holder | $24,677 | $14,976+64.8% | $13,708+80.0% | $12,562+96.4% |