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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 | $89,844 | $100,911-11.0% | $90,440-0.7% | $158,966-43.5% |
| Participation rate | 0.0% | 75.0%-75.0pp | 72.7%-72.7pp | 82.0%-82.0pp |
| Annual return | 16.04% | 1726.62%-1710.6pp | 1294.38%-1278.3pp | 302.95%-286.9pp |
| Employer contribution / active EE | $20,131 | $3,690+445.5% | $3,263+517.0% | $4,762+322.7% |
| Participant deferral / active EE | $25,451 | $4,348+485.3% | $3,964+542.1% | $5,983+325.4% |
| Admin fee / account holder | $636 | $6,507-90.2% | $5,615-88.7% | $11,250-94.3% |