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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 | $6,980 | $100,203-93.0% | $85,240-91.8% | $145,897-95.2% |
| Participation rate | 40.0% | 74.1%-34.1pp | 67.5%-27.5pp | 80.3%-40.3pp |
| Annual return | 16.98% | 84.28%-67.3pp | 66.75%-49.8pp | 552.29%-535.3pp |
| Employer contribution / active EE | $6,257 | $3,242+93.0% | $2,735+128.7% | $4,663+34.2% |
| Participant deferral / active EE | $11,067 | $5,299+108.9% | $4,527+144.5% | $6,689+65.4% |
| Admin fee / account holder | $1,861 | $7,265-74.4% | $6,165-69.8% | $13,390-86.1% |