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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 | $31,169 | $65,364-52.3% | $92,909-66.5% | $72,975-57.3% |
| Participation rate | 94.3% | 68.3%+26.0pp | 76.0%+18.3pp | 69.5%+24.8pp |
| Annual return | 2.54% | 42.11%-39.6pp | 109.44%-106.9pp | 81.01%-78.5pp |
| Employer contribution / active EE | $0 | $2,594-100.0% | $3,653-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $0 | $3,128-100.0% | $4,238-100.0% | $3,608-100.0% |
| Admin fee / account holder | $820 | $4,251-80.7% | $5,795-85.8% | $5,124-84.0% |