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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 | $49,843 | $64,719-23.0% | $112,249-55.6% | $68,486-27.2% |
| Participation rate | 19.4% | 67.2%-47.8pp | 75.1%-55.7pp | 67.9%-48.5pp |
| Annual return | -11.47% | -11.40%-0.1pp | 27.48%-39.0pp | -7.85%-3.6pp |
| Employer contribution / active EE | $0 | $2,747-100.0% | $3,636-100.0% | $2,597-100.0% |
| Participant deferral / active EE | $0 | $3,565-100.0% | $4,729-100.0% | $4,028-100.0% |
| Admin fee / account holder | $3,023 | $5,232-42.2% | $6,412-52.9% | $5,404-44.1% |