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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 | $30,436 | $97,125-68.7% | $86,233-64.7% | $137,256-77.8% |
| Participation rate | 100.0% | 74.2%+25.8pp | 69.0%+31.0pp | 80.0%+20.0pp |
| Annual return | 11.95% | 74.19%-62.2pp | 61.39%-49.4pp | 220.34%-208.4pp |
| Employer contribution / active EE | $2,270 | $2,841-20.1% | $2,504-9.4% | $4,156-45.4% |
| Participant deferral / active EE | $8,824 | $5,180+70.4% | $4,559+93.5% | $6,407+37.7% |
| Admin fee / account holder | $8,826 | $9,725-9.2% | $8,342+5.8% | $12,270-28.1% |