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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.)
Annual investment return is in the bottom quintile of the peer cohort.
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 | $12,867 | $175,646-92.7% | $129,118-90.0% | $134,545-90.4% |
| Participation rate | 100.0% | 81.6%+18.4pp | 77.2%+22.8pp | 81.2%+18.8pp |
| Annual return | -21.99% | -11.39%-10.6pp | -10.94%-11.1pp | 418.37%-440.4pp |
| Employer contribution / active EE | $1,218 | $6,355-80.8% | $5,051-75.9% | $4,742-74.3% |
| Participant deferral / active EE | $1,638 | $7,970-79.5% | $6,539-75.0% | $6,401-74.4% |
| Admin fee / account holder | $897 | $23,578-96.2% | $14,305-93.7% | $11,431-92.1% |