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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
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 | $221,395 | $295,923-25.2% | $239,403-7.5% | $382,429-42.1% |
| Participation rate | 95.2% | 87.1%+8.1pp | 82.2%+13.1pp | 87.7%+7.5pp |
| Annual return | 18.35% | 1.75%+16.6pp | 3.34%+15.0pp | 248.85%-230.5pp |
| Employer contribution / active EE | $0 | $5,859-100.0% | $4,656-100.0% | $8,036-100.0% |
| Participant deferral / active EE | $0 | $4,814-100.0% | $4,239-100.0% | $5,727-100.0% |
| Admin fee / account holder | $20,900 | $26,025-19.7% | $21,121-1.0% | $30,732-32.0% |