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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 | $75,738 | $132,634-42.9% | $115,768-34.6% | $137,256-44.8% |
| Participation rate | 66.7% | 77.9%-11.2pp | 74.4%-7.7pp | 80.0%-13.3pp |
| Annual return | 12.33% | 160.70%-148.4pp | 100.46%-88.1pp | 220.34%-208.0pp |
| Employer contribution / active EE | $19,443 | $3,360+478.7% | $2,940+561.4% | $4,156+367.8% |
| Participant deferral / active EE | $22,334 | $5,619+297.5% | $4,917+354.2% | $6,407+248.6% |
| Admin fee / account holder | $8,225 | $15,028-45.3% | $12,439-33.9% | $12,270-33.0% |