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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 | $73,184 | $117,829-37.9% | $102,423-28.5% | $145,877-49.8% |
| Participation rate | 95.5% | 78.6%+16.8pp | 76.5%+19.0pp | 80.3%+15.2pp |
| Annual return | -2.81% | 31.83%-34.6pp | 29.42%-32.2pp | 551.28%-554.1pp |
| Employer contribution / active EE | $1,818 | $3,615-49.7% | $3,023-39.9% | $4,663-61.0% |
| Participant deferral / active EE | $0 | $5,732-100.0% | $5,054-100.0% | $6,691-100.0% |
| Admin fee / account holder | $10,975 | $13,335-17.7% | $9,455+16.1% | $13,402-18.1% |