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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 | $32,116 | $157,304-79.6% | $141,197-77.3% | $152,909-79.0% |
| Participation rate | 100.0% | 84.8%+15.2pp | 82.5%+17.5pp | 82.5%+17.5pp |
| Annual return | 24.69% | 64.34%-39.7pp | 71.41%-46.7pp | 345.46%-320.8pp |
| Employer contribution / active EE | $883 | $5,263-83.2% | $4,736-81.4% | $4,764-81.5% |
| Participant deferral / active EE | $8,171 | $7,111+14.9% | $6,710+21.8% | $5,851+39.6% |
| Admin fee / account holder | $3,407 | $12,126-71.9% | $10,265-66.8% | $11,601-70.6% |