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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 | $185,877 | $135,639+37.0% | $110,241+68.6% | $135,382+37.3% |
| Participation rate | 14.3% | 83.5%-69.2pp | 79.8%-65.5pp | 82.6%-68.4pp |
| Annual return | 4.79% | 513.21%-508.4pp | 314.75%-310.0pp | 519.77%-515.0pp |
| Employer contribution / active EE | $0 | $4,907-100.0% | $3,827-100.0% | $4,779-100.0% |
| Participant deferral / active EE | $0 | $5,507-100.0% | $4,672-100.0% | $5,609-100.0% |
| Admin fee / account holder | $7,000 | $11,457-38.9% | $8,548-18.1% | $10,829-35.4% |