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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 | $49,396 | $67,894-27.2% | $89,340-44.7% | $82,448-40.1% |
| Participation rate | 96.8% | 64.0%+32.7pp | 69.6%+27.2pp | 68.1%+28.7pp |
| Annual return | 16.02% | 19.21%-3.2pp | 20.57%-4.6pp | 41.64%-25.6pp |
| Employer contribution / active EE | $0 | $1,828-100.0% | $2,231-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $0 | $3,072-100.0% | $3,823-100.0% | $4,139-100.0% |
| Admin fee / account holder | $5,280 | $5,723-7.7% | $6,704-21.2% | $7,234-27.0% |