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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 | $23,692 | $154,228-84.6% | $145,433-83.7% | $137,256-82.7% |
| Participation rate | 33.3% | 83.8%-50.5pp | 82.1%-48.8pp | 80.0%-46.6pp |
| Annual return | 18.74% | 74.59%-55.8pp | 66.58%-47.8pp | 220.34%-201.6pp |
| Employer contribution / active EE | $7,139 | $4,804+48.6% | $4,554+56.7% | $4,156+71.8% |
| Participant deferral / active EE | $14,786 | $8,216+80.0% | $7,897+87.2% | $6,407+130.8% |
| Admin fee / account holder | $498 | $14,344-96.5% | $13,129-96.2% | $12,270-95.9% |