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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
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 | $127,376 | $156,398-18.6% | $147,318-13.5% | $138,895-8.3% |
| Participation rate | 100.0% | 83.8%+16.2pp | 82.1%+17.9pp | 79.9%+20.1pp |
| Annual return | 17.52% | 78.75%-61.2pp | 70.43%-52.9pp | 145.39%-127.9pp |
| Employer contribution / active EE | $20,185 | $4,853+315.9% | $4,593+339.5% | $4,194+381.3% |
| Participant deferral / active EE | $16,210 | $8,237+96.8% | $7,906+105.0% | $6,396+153.4% |
| Admin fee / account holder | $3,569 | $14,976-76.2% | $13,708-74.0% | $12,562-71.6% |