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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 | $129,508 | $162,136-20.1% | $152,301-15.0% | $154,746-16.3% |
| Participation rate | 100.0% | 84.1%+15.9pp | 82.4%+17.6pp | 80.7%+19.3pp |
| Annual return | 11.77% | 91.02%-79.3pp | 80.50%-68.7pp | 172.34%-160.6pp |
| Employer contribution / active EE | $79,058 | $4,890+1516.6% | $4,624+1609.6% | $4,379+1705.4% |
| Participant deferral / active EE | $80,952 | $8,341+870.5% | $8,004+911.4% | $6,730+1102.8% |
| Admin fee / account holder | $1,781 | $15,759-88.7% | $14,398-87.6% | $14,365-87.6% |