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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 | $74,516 | $110,137-32.3% | $161,149-53.8% | $82,637-9.8% |
| Participation rate | 88.2% | 72.4%+15.9pp | 78.8%+9.4pp | 68.1%+20.2pp |
| Annual return | 11.10% | 20.69%-9.6pp | 21.16%-10.1pp | 53.51%-42.4pp |
| Employer contribution / active EE | $0 | $2,856-100.0% | $4,360-100.0% | $2,552-100.0% |
| Participant deferral / active EE | $0 | $4,575-100.0% | $6,153-100.0% | $4,126-100.0% |
| Admin fee / account holder | $6,402 | $9,467-32.4% | $15,194-57.9% | $7,339-12.8% |