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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 | $48,926 | $100,970-51.5% | $96,576-49.3% | $137,256-64.4% |
| Participation rate | 44.4% | 82.6%-38.2pp | 81.4%-37.0pp | 80.0%-35.5pp |
| Annual return | 431.03% | 38.16%+392.9pp | 38.47%+392.6pp | 220.34%+210.7pp |
| Employer contribution / active EE | $0 | $3,809-100.0% | $3,553-100.0% | $4,156-100.0% |
| Participant deferral / active EE | $0 | $8,286-100.0% | $7,956-100.0% | $6,407-100.0% |
| Admin fee / account holder | $5,353 | $11,312-52.7% | $11,381-53.0% | $12,270-56.4% |