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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 | $84,615 | $148,623-43.1% | $135,974-37.8% | $139,466-39.3% |
| Participation rate | 100.0% | 83.9%+16.1pp | 81.9%+18.1pp | 80.3%+19.7pp |
| Annual return | 16.81% | 79.30%-62.5pp | 68.30%-51.5pp | 373.66%-356.9pp |
| Employer contribution / active EE | $740 | $5,246-85.9% | $4,859-84.8% | $4,754-84.4% |
| Participant deferral / active EE | $3,700 | $8,103-54.3% | $7,760-52.3% | $6,712-44.9% |
| Admin fee / account holder | $18,105 | $12,406+45.9% | $10,767+68.2% | $11,409+58.7% |