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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 | $92,664 | $160,070-42.1% | $147,117-37.0% | $145,897-36.5% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.2%+17.8pp | 80.3%+19.7pp |
| Annual return | 12.93% | 98.69%-85.8pp | 420.54%-407.6pp | 552.29%-539.4pp |
| Employer contribution / active EE | $917 | $5,285-82.7% | $4,932-81.4% | $4,663-80.3% |
| Participant deferral / active EE | $12,500 | $8,419+48.5% | $8,065+55.0% | $6,689+86.9% |
| Admin fee / account holder | $4,909 | $15,035-67.3% | $12,993-62.2% | $13,390-63.3% |