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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 | $115,931-35.7% | $185,441-59.8% | $86,983-14.3% |
| Participation rate | 88.2% | 73.6%+14.6pp | 80.3%+8.0pp | 69.5%+18.7pp |
| Annual return | 11.10% | 21.47%-10.4pp | 20.16%-9.1pp | 25.83%-14.7pp |
| Employer contribution / active EE | $0 | $2,937-100.0% | $4,672-100.0% | $2,584-100.0% |
| Participant deferral / active EE | $0 | $4,551-100.0% | $6,152-100.0% | $4,194-100.0% |
| Admin fee / account holder | $6,402 | $10,687-40.1% | $17,890-64.2% | $7,856-18.5% |