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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 | $123,699 | $116,360+6.3% | $65,566+88.7% | $139,466-11.3% |
| Participation rate | 33.3% | 67.8%-34.4pp | 64.9%-31.6pp | 80.3%-47.0pp |
| Annual return | 15.00% | 31.23%-16.2pp | 47.40%-32.4pp | 373.66%-358.7pp |
| Employer contribution / active EE | $0 | $2,600-100.0% | $1,692-100.0% | $4,754-100.0% |
| Participant deferral / active EE | $0 | $4,242-100.0% | $2,832-100.0% | $6,712-100.0% |
| Admin fee / account holder | $918 | $6,701-86.3% | $4,114-77.7% | $11,409-92.0% |