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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 | $93,175 | $70,366+32.4% | $66,674+39.7% | $138,895-32.9% |
| Participation rate | 90.0% | 76.2%+13.8pp | 73.7%+16.3pp | 79.9%+10.1pp |
| Annual return | 15.35% | 386.41%-371.1pp | 321.24%-305.9pp | 145.39%-130.0pp |
| Employer contribution / active EE | $387 | $2,765-86.0% | $2,620-85.2% | $4,194-90.8% |
| Participant deferral / active EE | $11,376 | $4,374+160.1% | $4,084+178.5% | $6,396+77.9% |
| Admin fee / account holder | $7,917 | $5,262+50.4% | $5,098+55.3% | $12,562-37.0% |