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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 | $48,441 | $100,073-51.6% | $85,126-43.1% | $145,877-66.8% |
| Participation rate | 100.0% | 74.1%+25.9pp | 67.5%+32.5pp | 80.3%+19.7pp |
| Annual return | 10.90% | 84.11%-73.2pp | 66.63%-55.7pp | 551.28%-540.4pp |
| Employer contribution / active EE | $69,758 | $3,236+2055.5% | $2,731+2454.0% | $4,663+1396.0% |
| Participant deferral / active EE | $44,484 | $5,294+740.2% | $4,523+883.4% | $6,691+564.9% |
| Admin fee / account holder | $2,742 | $7,261-62.2% | $6,160-55.5% | $13,402-79.5% |