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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 | $108,744 | $142,430-23.7% | $115,170-5.6% | $152,897-28.9% |
| Participation rate | 77.8% | 82.4%-4.6pp | 75.9%+1.9pp | 82.5%-4.7pp |
| Annual return | 0.56% | 41.48%-40.9pp | 35.60%-35.0pp | 345.43%-344.9pp |
| Employer contribution / active EE | $0 | $4,011-100.0% | $3,179-100.0% | $4,764-100.0% |
| Participant deferral / active EE | $0 | $5,165-100.0% | $4,169-100.0% | $5,851-100.0% |
| Admin fee / account holder | $2,712 | $8,464-68.0% | $7,089-61.7% | $11,599-76.6% |