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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 | $202,609 | $185,312+9.3% | $161,489+25.5% | $154,746+30.9% |
| Participation rate | 100.0% | 82.5%+17.5pp | 78.7%+21.3pp | 80.7%+19.3pp |
| Annual return | 25.19% | 103.84%-78.7pp | 89.72%-64.5pp | 172.34%-147.1pp |
| Employer contribution / active EE | $39,199 | $4,769+721.9% | $4,268+818.4% | $4,379+795.1% |
| Participant deferral / active EE | $6,900 | $6,350+8.7% | $5,630+22.6% | $6,730+2.5% |
| Admin fee / account holder | $958 | $18,654-94.9% | $16,006-94.0% | $14,365-93.3% |