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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 | $57,453 | $100,938-43.1% | $90,461-36.5% | $158,982-63.9% |
| Participation rate | 100.0% | 75.0%+25.0pp | 72.7%+27.3pp | 82.0%+18.0pp |
| Annual return | 13.23% | 1727.20%-1714.0pp | 1294.76%-1281.5pp | 302.99%-289.8pp |
| Employer contribution / active EE | $6,905 | $3,691+87.1% | $3,264+111.6% | $4,763+45.0% |
| Participant deferral / active EE | $16,683 | $4,350+283.5% | $3,964+320.8% | $5,983+178.8% |
| Admin fee / account holder | $325 | $6,510-95.0% | $5,617-94.2% | $11,252-97.1% |