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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 | $47,130 | $54,541-13.6% | $78,778-40.2% | $70,126-32.8% |
| Participation rate | 84.4% | 60.8%+23.6pp | 69.2%+15.2pp | 69.5%+14.8pp |
| Annual return | 8.65% | 21.07%-12.4pp | 35.62%-27.0pp | 73.15%-64.5pp |
| Employer contribution / active EE | $0 | $1,089-100.0% | $1,986-100.0% | $2,343-100.0% |
| Participant deferral / active EE | $0 | $2,210-100.0% | $2,958-100.0% | $3,332-100.0% |
| Admin fee / account holder | $580 | $3,709-84.4% | $5,134-88.7% | $4,645-87.5% |