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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 | $13,371 | $108,942-87.7% | $100,415-86.7% | $145,897-90.8% |
| Participation rate | 50.0% | 83.0%-33.0pp | 81.5%-31.5pp | 80.3%-30.3pp |
| Annual return | 98.40% | 58.27%+40.1pp | 49.47%+48.9pp | 552.29%-453.9pp |
| Employer contribution / active EE | $16,879 | $4,422+281.7% | $3,943+328.1% | $4,663+262.0% |
| Participant deferral / active EE | $35,868 | $8,461+323.9% | $8,091+343.3% | $6,689+436.2% |
| Admin fee / account holder | $4,134 | $9,702-57.4% | $7,906-47.7% | $13,390-69.1% |