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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).
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 | $25,982 | $81,403-68.1% | $147,027-82.3% | $87,485-70.3% |
| Participation rate | 83.3% | 63.4%+19.9pp | 73.7%+9.6pp | 68.9%+14.4pp |
| Annual return | 11.64% | 16.51%-4.9pp | 20.23%-8.6pp | 26.06%-14.4pp |
| Employer contribution / active EE | $0 | $2,205-100.0% | $3,626-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $0 | $3,315-100.0% | $4,933-100.0% | $4,274-100.0% |
| Admin fee / account holder | $1,367 | $6,755-79.8% | $12,223-88.8% | $7,775-82.4% |