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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 | $40,583 | $210,698-80.7% | $178,014-77.2% | $145,959-72.2% |
| Participation rate | 0.0% | 80.8%-80.8pp | 77.1%-77.1pp | 80.3%-80.3pp |
| Annual return | 15.46% | 386.27%-370.8pp | 294.80%-279.3pp | 561.95%-546.5pp |
| Employer contribution / active EE | $61,947 | $4,567+1256.4% | $3,950+1468.3% | $4,661+1229.1% |
| Participant deferral / active EE | $143,451 | $6,958+1961.5% | $6,276+2185.6% | $6,689+2044.7% |
| Admin fee / account holder | $1,819 | $12,016-84.9% | $10,362-82.4% | $13,398-86.4% |