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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 | $105,888 | $176,105-39.9% | $159,474-33.6% | $167,536-36.8% |
| Participation rate | 93.3% | 85.0%+8.4pp | 82.8%+10.5pp | 82.1%+11.2pp |
| Annual return | 14.07% | 331.91%-317.8pp | 263.68%-249.6pp | 478.82%-464.7pp |
| Employer contribution / active EE | $2,296 | $5,299-56.7% | $4,831-52.5% | $4,839-52.6% |
| Participant deferral / active EE | $5,990 | $7,751-22.7% | $7,353-18.5% | $6,342-5.5% |
| Admin fee / account holder | $1,412 | $12,559-88.8% | $10,802-86.9% | $12,315-88.5% |