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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 | $96,070 | $147,556-34.9% | $129,031-25.5% | $198,609-51.6% |
| Participation rate | 100.0% | 77.2%+22.8pp | 73.4%+26.6pp | 82.4%+17.6pp |
| Annual return | 17.45% | 37.41%-20.0pp | 34.67%-17.2pp | 202.70%-185.2pp |
| Employer contribution / active EE | $6,914 | $3,645+89.7% | $3,226+114.3% | $5,055+36.8% |
| Participant deferral / active EE | $31,608 | $5,760+448.8% | $5,217+505.8% | $6,977+353.0% |
| Admin fee / account holder | $348 | $15,467-97.8% | $13,208-97.4% | $19,030-98.2% |