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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 | $33,935 | $160,070-78.8% | $147,117-76.9% | $145,897-76.7% |
| Participation rate | 40.0% | 84.0%-44.0pp | 82.2%-42.2pp | 80.3%-40.3pp |
| Annual return | 17.38% | 98.69%-81.3pp | 420.54%-403.2pp | 552.29%-534.9pp |
| Employer contribution / active EE | $29,313 | $5,285+454.7% | $4,932+494.3% | $4,663+528.7% |
| Participant deferral / active EE | $56,520 | $8,419+571.3% | $8,065+600.8% | $6,689+744.9% |
| Admin fee / account holder | $2,978 | $15,035-80.2% | $12,993-77.1% | $13,390-77.8% |