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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.
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 | $20,629 | $84,551-75.6% | $61,452-66.4% | $134,532-84.7% |
| Participation rate | 100.0% | 62.2%+37.8pp | 52.6%+47.4pp | 81.2%+18.8pp |
| Annual return | -22.57% | 585.39%-608.0pp | 338.96%-361.5pp | 418.27%-440.8pp |
| Employer contribution / active EE | $1,119 | $1,545-27.5% | $1,160-3.5% | $4,741-76.4% |
| Participant deferral / active EE | $4,892 | $2,818+73.6% | $2,125+130.3% | $6,401-23.6% |
| Admin fee / account holder | $545 | $2,587-78.9% | $2,131-74.4% | $11,429-95.2% |