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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.
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 | $45,170 | $69,977-35.5% | $108,582-58.4% | $62,881-28.2% |
| Participation rate | 84.6% | 72.9%+11.7pp | 79.6%+5.0pp | 69.3%+15.3pp |
| Annual return | 4.19% | 10.73%-6.5pp | -51.70%+55.9pp | 20.14%-16.0pp |
| Employer contribution / active EE | $0 | $2,135-100.0% | $3,758-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $0 | $3,165-100.0% | $4,311-100.0% | $3,203-100.0% |
| Admin fee / account holder | $3,435 | $5,076-32.3% | $7,645-55.1% | $4,296-20.0% |