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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.)
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 | $24,055 | $117,535-79.5% | $108,235-77.8% | $222,458-89.2% |
| Participation rate | 100.0% | 42.4%+57.6pp | 32.2%+67.8pp | 48.7%+51.3pp |
| Annual return | 0.01% | -1.67%+1.7pp | -1.08%+1.1pp | -2.16%+2.2pp |
| Employer contribution / active EE | $19,404 | $44,358-56.3% | $35,779-45.8% | $42,949-54.8% |
| Participant deferral / active EE | $0 | $230-100.0% | $238-100.0% | $153-100.0% |
| Admin fee / account holder | $1,085 | $17,025-93.6% | $13,449-91.9% | $12,572-91.4% |