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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).
Assets per participant exceed $250,000 - top-decile high-value plan.
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 | $435,710 | $96,678+350.7% | $86,640+402.9% | $139,466+212.4% |
| Participation rate | 50.0% | 74.4%-24.4pp | 71.7%-21.7pp | 80.3%-30.3pp |
| Annual return | 15.17% | 106.69%-91.5pp | 592.52%-577.3pp | 373.66%-358.5pp |
| Employer contribution / active EE | $13,156 | $3,265+302.9% | $3,024+335.0% | $4,754+176.7% |
| Participant deferral / active EE | $15,000 | $4,837+210.1% | $4,438+238.0% | $6,712+123.5% |
| Admin fee / account holder | $8,807 | $6,410+37.4% | $5,616+56.8% | $11,409-22.8% |