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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 | $182,543 | $156,398+16.7% | $147,318+23.9% | $138,895+31.4% |
| Participation rate | 100.0% | 83.8%+16.2pp | 82.1%+17.9pp | 79.9%+20.1pp |
| Annual return | 14.94% | 78.75%-63.8pp | 70.43%-55.5pp | 145.39%-130.5pp |
| Employer contribution / active EE | $33,477 | $4,853+589.8% | $4,593+628.9% | $4,194+698.2% |
| Participant deferral / active EE | $28,535 | $8,237+246.4% | $7,906+260.9% | $6,396+346.1% |
| Admin fee / account holder | $1,792 | $14,976-88.0% | $13,708-86.9% | $12,562-85.7% |