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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 | $22,685 | $141,004-83.9% | $112,273-79.8% | $139,466-83.7% |
| Participation rate | 88.9% | 79.2%+9.7pp | 72.4%+16.5pp | 80.3%+8.6pp |
| Annual return | 13.45% | 32.75%-19.3pp | 30.23%-16.8pp | 373.66%-360.2pp |
| Employer contribution / active EE | $1,408 | $4,285-67.2% | $3,431-59.0% | $4,754-70.4% |
| Participant deferral / active EE | $913 | $5,878-84.5% | $4,800-81.0% | $6,712-86.4% |
| Admin fee / account holder | $2,115 | $9,959-78.8% | $7,752-72.7% | $11,409-81.5% |