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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 | $160,070-68.8% | $147,117-66.0% | $145,897-65.7% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.2%+17.8pp | 80.3%+19.7pp |
| Annual return | 19.37% | 98.69%-79.3pp | 420.54%-401.2pp | 552.29%-532.9pp |
| Employer contribution / active EE | $16,695 | $5,285+215.9% | $4,932+238.5% | $4,663+258.1% |
| Participant deferral / active EE | $41,805 | $8,419+396.5% | $8,065+418.4% | $6,689+525.0% |
| Admin fee / account holder | $5,902 | $15,035-60.7% | $12,993-54.6% | $13,390-55.9% |