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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).
Retirees and beneficiaries make up 25% or more of total participants - indicates an ageing workforce or a frozen plan.
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 | $49,995 | $159,934-68.7% | $147,005-66.0% | $145,959-65.7% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.2%+17.8pp | 80.3%+19.7pp |
| Annual return | 19.37% | 98.24%-78.9pp | 418.76%-399.4pp | 561.95%-542.6pp |
| Employer contribution / active EE | $16,695 | $5,287+215.8% | $4,934+238.3% | $4,661+258.2% |
| Participant deferral / active EE | $41,805 | $8,427+396.1% | $8,070+418.0% | $6,689+525.0% |
| Admin fee / account holder | $5,902 | $15,053-60.8% | $13,006-54.6% | $13,398-56.0% |