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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 | $9,487 | $31,388-69.8% | $73,550-87.1% | $62,293-84.8% |
| Participation rate | 68.9% | 39.9%+29.0pp | 54.9%+13.9pp | 69.5%-0.6pp |
| Annual return | 16.58% | 25.34%-8.8pp | -15.16%+31.7pp | 28.90%-12.3pp |
| Employer contribution / active EE | $0 | $498-100.0% | $1,219-100.0% | $2,042-100.0% |
| Participant deferral / active EE | $0 | $1,028-100.0% | $1,804-100.0% | $3,169-100.0% |
| Admin fee / account holder | $466 | $299+55.7% | $2,320-79.9% | $479-2.8% |