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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).
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 | $121,028 | $100,805+20.1% | $86,698+39.6% | $134,532-10.0% |
| Participation rate | 88.2% | 79.0%+9.3pp | 76.6%+11.6pp | 81.2%+7.0pp |
| Annual return | -6.18% | 29.09%-35.3pp | 35.95%-42.1pp | 418.27%-424.4pp |
| Employer contribution / active EE | $617 | $3,490-82.3% | $2,837-78.2% | $4,741-87.0% |
| Participant deferral / active EE | $3,821 | $5,339-28.4% | $4,656-17.9% | $6,401-40.3% |
| Admin fee / account holder | $20,481 | $10,925+87.5% | $7,493+173.3% | $11,429+79.2% |