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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
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 | $85,122 | $157,304-45.9% | $141,197-39.7% | $152,909-44.3% |
| Participation rate | 100.0% | 84.8%+15.2pp | 82.5%+17.5pp | 82.5%+17.5pp |
| Annual return | 1.04% | 64.34%-63.3pp | 71.41%-70.4pp | 345.46%-344.4pp |
| Employer contribution / active EE | $3,961 | $5,263-24.7% | $4,736-16.4% | $4,764-16.9% |
| Participant deferral / active EE | $12,250 | $7,111+72.3% | $6,710+82.6% | $5,851+109.4% |
| Admin fee / account holder | $418 | $12,126-96.6% | $10,265-95.9% | $11,601-96.4% |