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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 | $108,882+198.3% | $96,754+235.7% | $154,746+109.9% |
| Participation rate | 77.8% | 75.1%+2.7pp | 70.3%+7.5pp | 80.7%-2.9pp |
| Annual return | -8.45% | 98.39%-106.8pp | 82.04%-90.5pp | 172.34%-180.8pp |
| Employer contribution / active EE | $1,530 | $3,018-49.3% | $2,679-42.9% | $4,379-65.1% |
| Participant deferral / active EE | $0 | $5,323-100.0% | $4,758-100.0% | $6,730-100.0% |
| Admin fee / account holder | $655 | $10,200-93.6% | $8,905-92.6% | $14,365-95.4% |