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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.
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 | $39,280 | $175,257-77.6% | $149,717-73.8% | $139,456-71.8% |
| Participation rate | 100.0% | 83.4%+16.6pp | 78.8%+21.2pp | 80.3%+19.7pp |
| Annual return | 6.31% | 166.70%-160.4pp | 134.41%-128.1pp | 373.45%-367.1pp |
| Employer contribution / active EE | $8,758 | $5,477+59.9% | $4,820+81.7% | $4,753+84.3% |
| Participant deferral / active EE | $17,821 | $6,521+173.3% | $5,682+213.6% | $6,711+165.5% |
| Admin fee / account holder | $6,987 | $16,156-56.8% | $13,213-47.1% | $11,407-38.7% |