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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Retirees and beneficiaries make up 25% or more of total participants - indicates an ageing workforce or a frozen plan.
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 | $229,502 | $226,918+1.1% | $226,918+1.1% | $418,949-45.2% |
| Participation rate | 100.0% | 21.9%+78.1pp | 19.4%+80.6pp | 35.7%+64.3pp |
| Annual return | 38.55% | 8.21%+30.3pp | 8.54%+30.0pp | 15.19%+23.4pp |
| Employer contribution / active EE | $0 | $27,703-100.0% | $26,203-100.0% | $34,877-100.0% |
| Participant deferral / active EE | $0 | $255-100.0% | $449-100.0% | $86-100.0% |
| Admin fee / account holder | $12,701 | $16,566-23.3% | $16,566-23.3% | $50,584-74.9% |