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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.)
Annual investment return is in the bottom quintile of the peer cohort.
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 | $32,847 | $88,707-63.0% | $74,184-55.7% | $273,972-88.0% |
| Participation rate | 85.7% | 79.4%+6.3pp | 76.6%+9.1pp | 83.0%+2.7pp |
| Annual return | 2.30% | 11.94%-9.6pp | 17.74%-15.4pp | 41.46%-39.2pp |
| Employer contribution / active EE | $678 | $3,159-78.5% | $2,370-71.4% | $4,869-86.1% |
| Participant deferral / active EE | $565 | $4,212-86.6% | $3,550-84.1% | $5,287-89.3% |
| Admin fee / account holder | $13,267 | $8,717+52.2% | $5,586+137.5% | $10,133+30.9% |