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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 | $17,419 | $160,070-89.1% | $147,117-88.2% | $145,897-88.1% |
| Participation rate | 0.0% | 84.0%-84.0pp | 82.2%-82.2pp | 80.3%-80.3pp |
| Annual return | 12.52% | 98.69%-86.2pp | 420.54%-408.0pp | 552.29%-539.8pp |
| Employer contribution / active EE | $7,659 | $5,285+44.9% | $4,932+55.3% | $4,663+64.3% |
| Participant deferral / active EE | $15,386 | $8,419+82.7% | $8,065+90.8% | $6,689+130.0% |
| Admin fee / account holder | $2,587 | $15,035-82.8% | $12,993-80.1% | $13,390-80.7% |