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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 | $80,556 | $148,629-45.8% | $135,982-40.8% | $139,487-42.2% |
| Participation rate | 100.0% | 83.9%+16.1pp | 81.9%+18.1pp | 80.3%+19.7pp |
| Annual return | 13.72% | 79.33%-65.6pp | 68.32%-54.6pp | 373.84%-360.1pp |
| Employer contribution / active EE | $711 | $5,247-86.4% | $4,859-85.4% | $4,755-85.0% |
| Participant deferral / active EE | $4,889 | $8,102-39.7% | $7,760-37.0% | $6,713-27.2% |
| Admin fee / account holder | $1,792 | $12,406-85.6% | $10,767-83.4% | $11,407-84.3% |