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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 | $61,298 | $107,368-42.9% | $92,915-34.0% | $152,909-59.9% |
| Participation rate | 0.0% | 79.8%-79.8pp | 76.0%-76.0pp | 82.5%-82.5pp |
| Annual return | 26.65% | 145.64%-119.0pp | 109.45%-82.8pp | 345.46%-318.8pp |
| Employer contribution / active EE | $148,536 | $4,222+3417.8% | $3,653+3965.6% | $4,764+3018.0% |
| Participant deferral / active EE | $82,833 | $4,848+1608.6% | $4,238+1854.5% | $5,851+1315.6% |
| Admin fee / account holder | $2,781 | $7,082-60.7% | $5,796-52.0% | $11,601-76.0% |