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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 | $14,297 | $215,361-93.4% | $171,082-91.6% | $273,972-94.8% |
| Participation rate | 100.0% | 82.0%+18.0pp | 76.7%+23.3pp | 83.0%+17.0pp |
| Annual return | 3.93% | 25.14%-21.2pp | 32.56%-28.6pp | 41.46%-37.5pp |
| Employer contribution / active EE | $6,955 | $4,967+40.0% | $4,002+73.8% | $4,869+42.9% |
| Participant deferral / active EE | $6,641 | $5,543+19.8% | $4,797+38.4% | $5,287+25.6% |
| Admin fee / account holder | $2,534 | $10,846-76.6% | $8,520-70.3% | $10,133-75.0% |