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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 | $211,239-80.8% | $178,528-77.3% | $145,877-72.2% |
| Participation rate | 0.0% | 80.8%-80.8pp | 77.1%-77.1pp | 80.3%-80.3pp |
| Annual return | 15.46% | 30.22%-14.8pp | 27.11%-11.6pp | 551.28%-535.8pp |
| Employer contribution / active EE | $61,947 | $4,570+1255.5% | $3,950+1468.1% | $4,663+1228.5% |
| Participant deferral / active EE | $143,451 | $6,963+1960.3% | $6,278+2184.9% | $6,691+2044.1% |
| Admin fee / account holder | $1,819 | $12,095-85.0% | $10,419-82.5% | $13,402-86.4% |