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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 | $5,051 | $111,535-95.5% | $105,223-95.2% | $137,256-96.3% |
| Participation rate | 100.0% | 78.1%+21.9pp | 75.0%+25.0pp | 80.0%+20.0pp |
| Annual return | 16.24% | 237.85%-221.6pp | 180.65%-164.4pp | 220.34%-204.1pp |
| Employer contribution / active EE | $834 | $3,939-78.8% | $3,689-77.4% | $4,156-79.9% |
| Participant deferral / active EE | $5,373 | $5,500-2.3% | $5,072+5.9% | $6,407-16.1% |
| Admin fee / account holder | $592 | $9,721-93.9% | $8,859-93.3% | $12,270-95.2% |