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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 | $80,855-67.9% | $153,416-83.1% | $86,983-70.1% |
| Participation rate | 83.3% | 64.1%+19.2pp | 74.3%+9.0pp | 69.5%+13.8pp |
| Annual return | 11.64% | 16.18%-4.5pp | 17.84%-6.2pp | 25.83%-14.2pp |
| Employer contribution / active EE | $0 | $2,308-100.0% | $3,764-100.0% | $2,584-100.0% |
| Participant deferral / active EE | $0 | $3,333-100.0% | $4,723-100.0% | $4,194-100.0% |
| Admin fee / account holder | $1,367 | $6,908-80.2% | $13,095-89.6% | $7,856-82.6% |