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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).
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 | $120,678 | $127,779-5.6% | $106,551+13.3% | $167,518-28.0% |
| Participation rate | 100.0% | 78.3%+21.7pp | 76.1%+23.9pp | 82.1%+17.9pp |
| Annual return | 7.74% | 33.87%-26.1pp | 26.80%-19.1pp | 478.71%-471.0pp |
| Employer contribution / active EE | $1,565 | $3,427-54.3% | $2,819-44.5% | $4,838-67.6% |
| Participant deferral / active EE | $3,773 | $5,088-25.8% | $4,398-14.2% | $6,342-40.5% |
| Admin fee / account holder | $13,585 | $11,228+21.0% | $7,408+83.4% | $12,312+10.3% |