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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 | $147,556+120.1% | $129,031+151.7% | $198,609+63.5% |
| Participation rate | 77.8% | 77.2%+0.5pp | 73.4%+4.4pp | 82.4%-4.6pp |
| Annual return | -8.45% | 37.41%-45.9pp | 34.67%-43.1pp | 202.70%-211.1pp |
| Employer contribution / active EE | $1,530 | $3,645-58.0% | $3,226-52.6% | $5,055-69.7% |
| Participant deferral / active EE | $0 | $5,760-100.0% | $5,217-100.0% | $6,977-100.0% |
| Admin fee / account holder | $655 | $15,467-95.8% | $13,208-95.0% | $19,030-96.6% |