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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 | $133,308+72.2% | $133,308+72.2% | $380,063-39.6% |
| Participation rate | 100.0% | 13.3%+86.7pp | 11.8%+88.2pp | 27.7%+72.3pp |
| Annual return | 38.55% | 7.20%+31.4pp | 7.44%+31.1pp | 15.59%+23.0pp |
| Employer contribution / active EE | $0 | $33,615-100.0% | $30,790-100.0% | $33,256-100.0% |
| Participant deferral / active EE | $0 | $189-100.0% | $640-100.0% | $83-100.0% |
| Admin fee / account holder | $12,701 | $16,084-21.0% | $16,084-21.0% | $21,009-39.5% |