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Participant 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 | $89,016 | $81,643+9.0% | $70,462+26.3% | $158,950-44.0% |
| Participation rate | 100.0% | 77.7%+22.3pp | 75.1%+24.9pp | 82.0%+18.0pp |
| Annual return | 12.03% | 208.51%-196.5pp | 109.08%-97.0pp | 302.91%-290.9pp |
| Employer contribution / active EE | $6,954 | $3,218+116.1% | $2,737+154.0% | $4,762+46.0% |
| Participant deferral / active EE | $307 | $4,555-93.3% | $3,710-91.7% | $5,983-94.9% |
| Admin fee / account holder | $4,153 | $6,194-33.0% | $3,845+8.0% | $11,248-63.1% |