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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).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
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 | $78,410 | $79,867-1.8% | $120,344-34.8% | $64,340+21.9% |
| Participation rate | 79.4% | 63.0%+16.5pp | 76.7%+2.7pp | 55.2%+24.2pp |
| Annual return | 14.04% | 21.10%-7.1pp | 20.30%-6.3pp | 24.14%-10.1pp |
| Employer contribution / active EE | $0 | $1,925-100.0% | $3,020-100.0% | $1,862-100.0% |
| Participant deferral / active EE | $0 | $3,593-100.0% | $5,135-100.0% | $2,980-100.0% |
| Admin fee / account holder | $5,741 | $5,039+13.9% | $12,742-54.9% | $3,703+55.1% |