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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 | $184,976 | $156,616+18.1% | $133,346+38.7% | $198,609-6.9% |
| Participation rate | 70.0% | 77.7%-7.7pp | 72.8%-2.8pp | 82.4%-12.4pp |
| Annual return | 7.13% | 44.25%-37.1pp | 36.85%-29.7pp | 202.70%-195.6pp |
| Employer contribution / active EE | $0 | $3,368-100.0% | $2,853-100.0% | $5,055-100.0% |
| Participant deferral / active EE | $0 | $4,920-100.0% | $4,332-100.0% | $6,977-100.0% |
| Admin fee / account holder | $49,802 | $17,468+185.1% | $14,264+249.1% | $19,030+161.7% |