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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 | $48,326 | $154,365-68.7% | $130,231-62.9% | $139,456-65.3% |
| Participation rate | 33.3% | 79.9%-46.6pp | 76.3%-42.9pp | 80.3%-47.0pp |
| Annual return | 30.73% | 30.34%+0.4pp | 38.77%-8.0pp | 373.45%-342.7pp |
| Employer contribution / active EE | $38,969 | $5,170+653.8% | $4,126+844.5% | $4,753+719.9% |
| Participant deferral / active EE | $67,180 | $8,498+690.5% | $6,799+888.2% | $6,711+901.0% |
| Admin fee / account holder | $969 | $9,214-89.5% | $6,020-83.9% | $11,407-91.5% |