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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 | $67,360 | $70,366-4.3% | $66,674+1.0% | $138,895-51.5% |
| Participation rate | 66.7% | 76.2%-9.5pp | 73.7%-7.0pp | 79.9%-13.3pp |
| Annual return | 17.85% | 386.41%-368.6pp | 321.24%-303.4pp | 145.39%-127.5pp |
| Employer contribution / active EE | $28,241 | $2,765+921.3% | $2,620+977.9% | $4,194+573.3% |
| Participant deferral / active EE | $50,503 | $4,374+1054.6% | $4,084+1136.6% | $6,396+689.6% |
| Admin fee / account holder | $11,969 | $5,262+127.4% | $5,098+134.8% | $12,562-4.7% |