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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 | $70,857 | $132,634-46.6% | $115,768-38.8% | $137,256-48.4% |
| Participation rate | 100.0% | 77.9%+22.1pp | 74.4%+25.6pp | 80.0%+20.0pp |
| Annual return | 16.99% | 160.70%-143.7pp | 100.46%-83.5pp | 220.34%-203.4pp |
| Employer contribution / active EE | $8,807 | $3,360+162.1% | $2,940+199.6% | $4,156+111.9% |
| Participant deferral / active EE | $21,556 | $5,619+283.7% | $4,917+338.4% | $6,407+236.5% |
| Admin fee / account holder | $15,845 | $15,028+5.4% | $12,439+27.4% | $12,270+29.1% |