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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 | $211,288-80.8% | $178,540-77.3% | $145,884-72.2% |
| Participation rate | 0.0% | 80.8%-80.8pp | 77.1%-77.1pp | 80.3%-80.3pp |
| Annual return | 15.46% | 30.27%-14.8pp | 27.15%-11.7pp | 551.85%-536.4pp |
| Employer contribution / active EE | $61,947 | $4,574+1254.4% | $3,953+1467.1% | $4,662+1228.7% |
| Participant deferral / active EE | $143,451 | $6,967+1959.1% | $6,281+2184.1% | $6,690+2044.4% |
| Admin fee / account holder | $1,819 | $12,105-85.0% | $10,424-82.6% | $13,392-86.4% |