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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 | $62,084 | $105,284-41.0% | $150,734-58.8% | $94,015-34.0% |
| Participation rate | 15.4% | 71.7%-56.3pp | 78.4%-63.1pp | 70.8%-55.4pp |
| Annual return | 10.50% | 15.67%-5.2pp | 600.81%-590.3pp | 17.84%-7.3pp |
| Employer contribution / active EE | $0 | $3,599-100.0% | $4,918-100.0% | $2,790-100.0% |
| Participant deferral / active EE | $0 | $4,274-100.0% | $5,610-100.0% | $4,249-100.0% |
| Admin fee / account holder | $1,744 | $9,839-82.3% | $14,905-88.3% | $8,951-80.5% |