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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 | $14,795 | $162,136-90.9% | $152,301-90.3% | $154,746-90.4% |
| Participation rate | 100.0% | 84.1%+15.9pp | 82.4%+17.6pp | 80.7%+19.3pp |
| Annual return | 57.71% | 91.02%-33.3pp | 80.50%-22.8pp | 172.34%-114.6pp |
| Employer contribution / active EE | $7,304 | $4,890+49.4% | $4,624+57.9% | $4,379+66.8% |
| Participant deferral / active EE | $10,210 | $8,341+22.4% | $8,004+27.6% | $6,730+51.7% |
| Admin fee / account holder | $2,549 | $15,759-83.8% | $14,398-82.3% | $14,365-82.3% |