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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
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 | $30,094 | $135,905-77.9% | $126,068-76.1% | $198,609-84.8% |
| Participation rate | 100.0% | 85.6%+14.4pp | 84.7%+15.3pp | 82.4%+17.6pp |
| Annual return | 14.00% | 14.07%-0.1pp | 15.01%-1.0pp | 202.70%-188.7pp |
| Employer contribution / active EE | $5,209 | $4,245+22.7% | $3,968+31.3% | $5,055+3.0% |
| Participant deferral / active EE | $39,606 | $8,523+364.7% | $8,214+382.2% | $6,977+467.7% |
| Admin fee / account holder | $2,611 | $21,036-87.6% | $18,264-85.7% | $19,030-86.3% |