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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 | $243,910 | $289,211-15.7% | $260,467-6.4% | $198,609+22.8% |
| Participation rate | 28.6% | 83.1%-54.5pp | 80.5%-51.9pp | 82.4%-53.8pp |
| Annual return | 17.32% | 112.90%-95.6pp | 100.60%-83.3pp | 202.70%-185.4pp |
| Employer contribution / active EE | $0 | $4,663-100.0% | $4,239-100.0% | $5,055-100.0% |
| Participant deferral / active EE | $0 | $6,812-100.0% | $6,319-100.0% | $6,977-100.0% |
| Admin fee / account holder | $2,251 | $16,236-86.1% | $15,461-85.4% | $19,030-88.2% |