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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 | $19,190 | $154,228-87.6% | $145,433-86.8% | $137,256-86.0% |
| Participation rate | 50.0% | 83.8%-33.8pp | 82.1%-32.1pp | 80.0%-30.0pp |
| Annual return | 56.22% | 74.59%-18.4pp | 66.58%-10.4pp | 220.34%-164.1pp |
| Employer contribution / active EE | $38,507 | $4,804+701.6% | $4,554+745.5% | $4,156+826.5% |
| Participant deferral / active EE | $90,597 | $8,216+1002.6% | $7,897+1047.2% | $6,407+1314.1% |
| Admin fee / account holder | $933 | $14,344-93.5% | $13,129-92.9% | $12,270-92.4% |