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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 | $37,938 | $201,372-81.2% | $184,260-79.4% | $145,884-74.0% |
| Participation rate | 75.0% | 87.5%-12.5pp | 86.8%-11.8pp | 80.3%-5.3pp |
| Annual return | 11.68% | 29.04%-17.4pp | 28.84%-17.2pp | 551.85%-540.2pp |
| Employer contribution / active EE | $6 | $7,024-99.9% | $6,427-99.9% | $4,662-99.9% |
| Participant deferral / active EE | $8,339 | $9,808-15.0% | $9,133-8.7% | $6,690+24.6% |
| Admin fee / account holder | $1,302 | $16,362-92.0% | $13,898-90.6% | $13,392-90.3% |