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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 | $34,593 | $162,136-78.7% | $152,301-77.3% | $154,746-77.6% |
| Participation rate | 100.0% | 84.1%+15.9pp | 82.4%+17.6pp | 80.7%+19.3pp |
| Annual return | 15.33% | 91.02%-75.7pp | 80.50%-65.2pp | 172.34%-157.0pp |
| Employer contribution / active EE | $240 | $4,890-95.1% | $4,624-94.8% | $4,379-94.5% |
| Participant deferral / active EE | $3,000 | $8,341-64.0% | $8,004-62.5% | $6,730-55.4% |
| Admin fee / account holder | $3,078 | $15,759-80.5% | $14,398-78.6% | $14,365-78.6% |