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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 | $120,003 | $136,860-12.3% | $120,344-0.3% | $154,746-22.5% |
| Participation rate | 52.9% | 79.9%-26.9pp | 76.7%-23.8pp | 80.7%-27.8pp |
| Annual return | 9.74% | 21.38%-11.6pp | 20.30%-10.6pp | 172.34%-162.6pp |
| Employer contribution / active EE | $0 | $3,533-100.0% | $3,020-100.0% | $4,379-100.0% |
| Participant deferral / active EE | $0 | $5,793-100.0% | $5,135-100.0% | $6,730-100.0% |
| Admin fee / account holder | $9,881 | $15,393-35.8% | $12,742-22.5% | $14,365-31.2% |