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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 | $96,643+350.8% | $86,617+403.0% | $139,456+212.4% |
| Participation rate | 50.0% | 74.4%-24.4pp | 71.7%-21.7pp | 80.3%-30.3pp |
| Annual return | 15.17% | 106.57%-91.4pp | 591.91%-576.7pp | 373.45%-358.3pp |
| Employer contribution / active EE | $13,156 | $3,264+303.0% | $3,023+335.1% | $4,753+176.8% |
| Participant deferral / active EE | $15,000 | $4,835+210.2% | $4,437+238.1% | $6,711+123.5% |
| Admin fee / account holder | $8,807 | $6,406+37.5% | $5,613+56.9% | $11,407-22.8% |