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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 | $4,680 | $48,050-90.3% | $85,969-94.6% | $59,633-92.2% |
| Participation rate | 70.6% | 64.5%+6.1pp | 76.5%-5.9pp | 68.7%+1.9pp |
| Annual return | -0.70% | 0.29%-1.0pp | 9.32%-10.0pp | 2041.45%-2042.2pp |
| Employer contribution / active EE | $0 | $1,640-100.0% | $3,474-100.0% | $2,203-100.0% |
| Participant deferral / active EE | $0 | $2,249-100.0% | $3,829-100.0% | $3,192-100.0% |
| Admin fee / account holder | $592 | $3,206-81.5% | $6,053-90.2% | $4,297-86.2% |