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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 | $64,231 | $97,761-34.3% | $83,850-23.4% | $135,382-52.6% |
| Participation rate | 0.0% | 80.0%-80.0pp | 76.1%-76.1pp | 82.6%-82.6pp |
| Annual return | 0.06% | 1287.44%-1287.4pp | 850.92%-850.9pp | 519.77%-519.7pp |
| Employer contribution / active EE | $30,853 | $4,222+630.8% | $3,631+749.7% | $4,779+545.6% |
| Participant deferral / active EE | $29,602 | $4,682+532.2% | $4,082+625.2% | $5,609+427.8% |
| Admin fee / account holder | $5,839 | $6,674-12.5% | $5,478+6.6% | $10,829-46.1% |