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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 | $96,760 | $100,970-4.2% | $96,576+0.2% | $137,256-29.5% |
| Participation rate | 0.0% | 82.6%-82.6pp | 81.4%-81.4pp | 80.0%-80.0pp |
| Annual return | 16.55% | 38.16%-21.6pp | 38.47%-21.9pp | 220.34%-203.8pp |
| Employer contribution / active EE | $52,158 | $3,809+1269.3% | $3,553+1367.9% | $4,156+1155.0% |
| Participant deferral / active EE | $90,044 | $8,286+986.6% | $7,956+1031.7% | $6,407+1305.4% |
| Admin fee / account holder | $10,828 | $11,312-4.3% | $11,381-4.9% | $12,270-11.8% |