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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).
Retirees and beneficiaries make up 25% or more of total participants - indicates an ageing workforce or a frozen plan.
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 | $106,703 | $93,098+14.6% | $77,081+38.4% | $134,509-20.7% |
| Participation rate | 100.0% | 74.5%+25.5pp | 67.9%+32.1pp | 81.2%+18.8pp |
| Annual return | 8.33% | 62.63%-54.3pp | 42.33%-34.0pp | 418.13%-409.8pp |
| Employer contribution / active EE | $1,711 | $3,419-50.0% | $2,813-39.2% | $4,741-63.9% |
| Participant deferral / active EE | $2,642 | $5,239-49.6% | $4,428-40.3% | $6,400-58.7% |
| Admin fee / account holder | $15,461 | $6,945+122.6% | $5,427+184.9% | $11,427+35.3% |