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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 | $215,816 | $208,088+3.7% | $186,193+15.9% | $154,746+39.5% |
| Participation rate | 100.0% | 80.0%+20.0pp | 77.1%+22.9pp | 80.7%+19.3pp |
| Annual return | 1.65% | 89.97%-88.3pp | 78.03%-76.4pp | 172.34%-170.7pp |
| Employer contribution / active EE | $10,000 | $4,340+130.4% | $3,918+155.2% | $4,379+128.4% |
| Participant deferral / active EE | $15,667 | $7,078+121.3% | $6,513+140.5% | $6,730+132.8% |
| Admin fee / account holder | $9,092 | $11,698-22.3% | $11,058-17.8% | $14,365-36.7% |