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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 | $39,824 | $147,594-73.0% | $121,871-67.3% | $198,609-79.9% |
| Participation rate | 100.0% | 78.0%+22.0pp | 73.2%+26.8pp | 82.4%+17.6pp |
| Annual return | 14.95% | 12.94%+2.0pp | 13.57%+1.4pp | 202.70%-187.7pp |
| Employer contribution / active EE | $9,272 | $3,007+208.4% | $2,731+239.5% | $5,055+83.4% |
| Participant deferral / active EE | $22,586 | $5,168+337.0% | $4,318+423.0% | $6,977+223.7% |
| Admin fee / account holder | $421 | $15,134-97.2% | $11,551-96.4% | $19,030-97.8% |