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Employer contribution per participant is in the bottom quintile of the peer cohort.
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 | $94,584 | $54,541+73.4% | $78,778+20.1% | $70,126+34.9% |
| Participation rate | 91.9% | 60.8%+31.1pp | 69.2%+22.7pp | 69.5%+22.4pp |
| Annual return | 19.71% | 21.07%-1.4pp | 35.62%-15.9pp | 73.15%-53.4pp |
| Employer contribution / active EE | $0 | $1,089-100.0% | $1,986-100.0% | $2,343-100.0% |
| Participant deferral / active EE | $0 | $2,210-100.0% | $2,958-100.0% | $3,332-100.0% |
| Admin fee / account holder | $1,286 | $3,709-65.3% | $5,134-74.9% | $4,645-72.3% |