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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 | $201,264-81.2% | $184,185-79.4% | $145,978-74.0% |
| Participation rate | 75.0% | 87.5%-12.5pp | 86.8%-11.8pp | 80.3%-5.3pp |
| Annual return | 11.68% | 29.00%-17.3pp | 28.81%-17.1pp | 550.52%-538.8pp |
| Employer contribution / active EE | $6 | $7,021-99.9% | $6,426-99.9% | $4,662-99.9% |
| Participant deferral / active EE | $8,339 | $9,806-15.0% | $9,132-8.7% | $6,690+24.6% |
| Admin fee / account holder | $1,302 | $16,376-92.0% | $13,909-90.6% | $13,400-90.3% |