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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).
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 | $84,198 | $165,399-49.1% | $149,745-43.8% | $158,982-47.0% |
| Participation rate | 100.0% | 84.6%+15.4pp | 82.5%+17.5pp | 82.0%+18.0pp |
| Annual return | 25.68% | 348.34%-322.7pp | 276.72%-251.0pp | 302.99%-277.3pp |
| Employer contribution / active EE | $3,140 | $5,105-38.5% | $4,646-32.4% | $4,763-34.1% |
| Participant deferral / active EE | $6,796 | $7,183-5.4% | $6,843-0.7% | $5,983+13.6% |
| Admin fee / account holder | $976 | $10,811-91.0% | $9,312-89.5% | $11,252-91.3% |