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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.
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 | $46,690 | $160,040-70.8% | $147,096-68.3% | $145,877-68.0% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.2%+17.8pp | 80.3%+19.7pp |
| Annual return | 7.72% | 98.49%-90.8pp | 419.75%-412.0pp | 551.28%-543.6pp |
| Employer contribution / active EE | $22,752 | $5,289+330.1% | $4,936+360.9% | $4,663+387.9% |
| Participant deferral / active EE | $5,535 | $8,429-34.3% | $8,071-31.4% | $6,691-17.3% |
| Admin fee / account holder | $18,918 | $15,050+25.7% | $13,005+45.5% | $13,402+41.2% |