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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).
Assets per participant exceed $250,000 - top-decile high-value plan.
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 | $2,807,205 | $150,412+1766.3% | $120,574+2228.2% | $145,884+1824.3% |
| Participation rate | 11.8% | 78.8%-67.0pp | 71.9%-60.2pp | 80.3%-68.5pp |
| Annual return | 12.88% | 154.50%-141.6pp | 107.42%-94.5pp | 551.85%-539.0pp |
| Employer contribution / active EE | $0 | $4,355-100.0% | $3,471-100.0% | $4,662-100.0% |
| Participant deferral / active EE | $0 | $6,175-100.0% | $4,996-100.0% | $6,690-100.0% |
| Admin fee / account holder | $44,170 | $12,224+261.3% | $9,445+367.7% | $13,392+229.8% |