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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 | $29,516 | $160,070-81.6% | $147,117-79.9% | $145,897-79.8% |
| Participation rate | 50.0% | 84.0%-34.0pp | 82.2%-32.2pp | 80.3%-30.3pp |
| Annual return | 18.73% | 98.69%-80.0pp | 420.54%-401.8pp | 552.29%-533.6pp |
| Employer contribution / active EE | $10,707 | $5,285+102.6% | $4,932+117.1% | $4,663+129.6% |
| Participant deferral / active EE | $22,297 | $8,419+164.8% | $8,065+176.5% | $6,689+233.3% |
| Admin fee / account holder | $2,961 | $15,035-80.3% | $12,993-77.2% | $13,390-77.9% |