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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 | $25,665 | $99,053-74.1% | $88,179-70.9% | $138,895-81.5% |
| Participation rate | 80.0% | 74.2%+5.8pp | 69.1%+10.9pp | 79.9%+0.1pp |
| Annual return | 16.00% | 78.17%-62.2pp | 64.97%-49.0pp | 145.39%-129.4pp |
| Employer contribution / active EE | $7,496 | $2,882+160.1% | $2,549+194.0% | $4,194+78.7% |
| Participant deferral / active EE | $6,311 | $5,225+20.8% | $4,614+36.8% | $6,396-1.3% |
| Admin fee / account holder | $8,398 | $8,748-4.0% | $7,673+9.4% | $12,562-33.1% |