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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 | $21,509 | $99,345-78.3% | $84,753-74.6% | $273,972-92.1% |
| Participation rate | 100.0% | 80.7%+19.3pp | 76.6%+23.4pp | 83.0%+17.0pp |
| Annual return | -0.70% | 22.93%-23.6pp | 22.78%-23.5pp | 41.46%-42.2pp |
| Employer contribution / active EE | $2,269 | $4,214-46.2% | $3,574-36.5% | $4,869-53.4% |
| Participant deferral / active EE | $3,121 | $4,270-26.9% | $3,712-15.9% | $5,287-41.0% |
| Admin fee / account holder | $1,593 | $6,645-76.0% | $5,333-70.1% | $10,133-84.3% |