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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 | $107,809-76.2% | $97,032-73.6% | $155,188-83.5% |
| Participation rate | 80.0% | 75.5%+4.5pp | 71.6%+8.4pp | 80.8%-0.8pp |
| Annual return | 16.00% | 38.06%-22.1pp | 35.38%-19.4pp | 148.84%-132.8pp |
| Employer contribution / active EE | $7,496 | $2,911+157.5% | $2,629+185.1% | $4,248+76.5% |
| Participant deferral / active EE | $6,311 | $5,129+23.0% | $4,672+35.1% | $6,531-3.4% |
| Admin fee / account holder | $8,398 | $10,717-21.6% | $9,418-10.8% | $14,480-42.0% |