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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 | $3,158 | $28,624-89.0% | $53,647-94.1% | $82,637-96.2% |
| Participation rate | 58.9% | 47.3%+11.7pp | 56.3%+2.6pp | 68.1%-9.1pp |
| Annual return | 15.61% | 664.98%-649.4pp | 358.33%-342.7pp | 53.51%-37.9pp |
| Employer contribution / active EE | $0 | $637-100.0% | $962-100.0% | $2,552-100.0% |
| Participant deferral / active EE | $0 | $1,196-100.0% | $1,813-100.0% | $4,126-100.0% |
| Admin fee / account holder | $312 | $2,022-84.6% | $2,460-87.3% | $7,339-95.7% |