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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).
Assets per participant exceed $250,000 - top-decile high-value plan.
Retirees and beneficiaries make up 25% or more of total participants - indicates an ageing workforce or a frozen plan.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $312,514 | $135,956+129.9% | $123,894+152.2% | $273,972+14.1% |
| Participation rate | 100.0% | 84.1%+15.9pp | 81.4%+18.6pp | 83.0%+17.0pp |
| Annual return | 1.92% | 56.63%-54.7pp | 47.52%-45.6pp | 41.46%-39.5pp |
| Employer contribution / active EE | $2,930 | $5,170-43.3% | $4,617-36.5% | $4,869-39.8% |
| Participant deferral / active EE | $11,405 | $6,343+79.8% | $5,984+90.6% | $5,287+115.7% |
| Admin fee / account holder | $1,542 | $9,817-84.3% | $8,357-81.5% | $10,133-84.8% |