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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 | $32,499 | $63,809-49.1% | $81,353-60.1% | $80,935-59.8% |
| Participation rate | 4.7% | 63.9%-59.3pp | 69.5%-64.9pp | 67.7%-63.0pp |
| Annual return | 13.54% | 16.37%-2.8pp | 24.82%-11.3pp | 35.66%-22.1pp |
| Employer contribution / active EE | $0 | $1,981-100.0% | $2,464-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $0 | $3,093-100.0% | $3,885-100.0% | $4,299-100.0% |
| Admin fee / account holder | $2,685 | $5,686-52.8% | $5,766-53.4% | $6,924-61.2% |