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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 | $156,037 | $105,861+47.4% | $90,756+71.9% | $134,509+16.0% |
| Participation rate | 38.9% | 78.2%-39.4pp | 75.7%-36.8pp | 81.2%-42.3pp |
| Annual return | -3.31% | -10.99%+7.7pp | -12.16%+8.8pp | 418.13%-421.4pp |
| Employer contribution / active EE | $0 | $3,463-100.0% | $2,922-100.0% | $4,741-100.0% |
| Participant deferral / active EE | $0 | $5,217-100.0% | $4,565-100.0% | $6,400-100.0% |
| Admin fee / account holder | $7,626 | $13,938-45.3% | $8,445-9.7% | $11,427-33.3% |