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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.
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 | $50,325 | $70,486-28.6% | $100,535-49.9% | $79,856-37.0% |
| Participation rate | 92.3% | 73.6%+18.7pp | 79.4%+12.9pp | 69.6%+22.7pp |
| Annual return | 11.48% | 21.90%-10.4pp | 30.90%-19.4pp | 31.71%-20.2pp |
| Employer contribution / active EE | $0 | $2,165-100.0% | $3,419-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $0 | $5,182-100.0% | $6,271-100.0% | $3,741-100.0% |
| Admin fee / account holder | $3,396 | $4,480-24.2% | $8,085-58.0% | $5,306-36.0% |