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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
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 | $38,236 | $167,415-77.2% | $140,514-72.8% | $198,609-80.7% |
| Participation rate | 82.4% | 80.9%+1.5pp | 77.8%+4.6pp | 82.4%0pp |
| Annual return | 8.63% | 13.85%-5.2pp | 14.36%-5.7pp | 202.70%-194.1pp |
| Employer contribution / active EE | $0 | $4,088-100.0% | $3,378-100.0% | $5,055-100.0% |
| Participant deferral / active EE | $0 | $5,579-100.0% | $4,919-100.0% | $6,977-100.0% |
| Admin fee / account holder | $9,666 | $16,730-42.2% | $13,697-29.4% | $19,030-49.2% |