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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 | $22,464 | $127,387-82.4% | $115,038-80.5% | $125,389-82.1% |
| Participation rate | 100.0% | 84.2%+15.8pp | 81.4%+18.6pp | 83.2%+16.8pp |
| Annual return | -0.00% | 31.28%-31.3pp | 26.14%-26.1pp | 282.24%-282.2pp |
| Employer contribution / active EE | $2,287 | $5,166-55.7% | $4,608-50.4% | $4,866-53.0% |
| Participant deferral / active EE | $2,859 | $6,423-55.5% | $6,026-52.6% | $5,352-46.6% |
| Admin fee / account holder | $2,366 | $9,516-75.1% | $8,175-71.1% | $9,541-75.2% |