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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 | $324,764 | $97,125+234.4% | $86,233+276.6% | $137,256+136.6% |
| Participation rate | 77.8% | 74.2%+3.6pp | 69.0%+8.8pp | 80.0%-2.2pp |
| Annual return | -8.45% | 74.19%-82.6pp | 61.39%-69.8pp | 220.34%-228.8pp |
| Employer contribution / active EE | $1,530 | $2,841-46.2% | $2,504-38.9% | $4,156-63.2% |
| Participant deferral / active EE | $0 | $5,180-100.0% | $4,559-100.0% | $6,407-100.0% |
| Admin fee / account holder | $655 | $9,725-93.3% | $8,342-92.2% | $12,270-94.7% |