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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 | $43,085 | $52,836-18.5% | $105,736-59.3% | $64,173-32.9% |
| Participation rate | 89.3% | 66.5%+22.7pp | 76.3%+13.0pp | 69.6%+19.7pp |
| Annual return | -4.88% | 14.30%-19.2pp | 6.27%-11.2pp | 7.63%-12.5pp |
| Employer contribution / active EE | $0 | $1,827-100.0% | $3,268-100.0% | $2,381-100.0% |
| Participant deferral / active EE | $0 | $2,545-100.0% | $4,080-100.0% | $3,470-100.0% |
| Admin fee / account holder | $4,936 | $3,959+24.7% | $6,913-28.6% | $4,887+1.0% |