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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.
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 | $24,454 | $77,449-68.4% | $69,483-64.8% | $152,909-84.0% |
| Participation rate | 75.0% | 78.1%-3.1pp | 74.6%+0.4pp | 82.5%-7.5pp |
| Annual return | 4.70% | 39.09%-34.4pp | 28.99%-24.3pp | 345.46%-340.8pp |
| Employer contribution / active EE | $4,903 | $3,316+47.9% | $2,780+76.4% | $4,764+2.9% |
| Participant deferral / active EE | $12,461 | $4,415+182.3% | $3,537+252.4% | $5,851+113.0% |
| Admin fee / account holder | $36,993 | $6,210+495.7% | $3,841+863.1% | $11,601+218.9% |