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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 | $6,052 | $90,691-93.3% | $76,119-92.0% | $145,884-95.9% |
| Participation rate | 66.7% | 74.5%-7.8pp | 69.1%-2.4pp | 80.3%-13.6pp |
| Annual return | 11.19% | 624.52%-613.3pp | 361.25%-350.1pp | 551.85%-540.7pp |
| Employer contribution / active EE | $8,041 | $3,329+141.5% | $2,693+198.6% | $4,662+72.5% |
| Participant deferral / active EE | $21,977 | $5,167+325.3% | $4,259+416.0% | $6,690+228.5% |
| Admin fee / account holder | $2,401 | $8,383-71.4% | $6,421-62.6% | $13,392-82.1% |