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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 | $20,755 | $176,120-88.2% | $159,487-87.0% | $167,553-87.6% |
| Participation rate | 60.0% | 85.0%-25.0pp | 82.8%-22.8pp | 82.1%-22.1pp |
| Annual return | 16.25% | 331.95%-315.7pp | 263.71%-247.5pp | 478.89%-462.6pp |
| Employer contribution / active EE | $4,273 | $5,299-19.4% | $4,831-11.6% | $4,840-11.7% |
| Participant deferral / active EE | $5,434 | $7,752-29.9% | $7,354-26.1% | $6,343-14.3% |
| Admin fee / account holder | $917 | $12,561-92.7% | $10,804-91.5% | $12,316-92.6% |