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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 | $15,061 | $175,257-91.4% | $149,717-89.9% | $139,456-89.2% |
| Participation rate | 88.9% | 83.4%+5.5pp | 78.8%+10.1pp | 80.3%+8.6pp |
| Annual return | 12.29% | 166.70%-154.4pp | 134.41%-122.1pp | 373.45%-361.2pp |
| Employer contribution / active EE | $1,414 | $5,477-74.2% | $4,820-70.7% | $4,753-70.2% |
| Participant deferral / active EE | $2,803 | $6,521-57.0% | $5,682-50.7% | $6,711-58.2% |
| Admin fee / account holder | $2,046 | $16,156-87.3% | $13,213-84.5% | $11,407-82.1% |