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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 | $69,650 | $110,240-36.8% | $96,544-27.9% | $139,487-50.1% |
| Participation rate | 95.2% | 78.1%+17.1pp | 76.0%+19.3pp | 80.3%+14.9pp |
| Annual return | 8.70% | 26.41%-17.7pp | 25.88%-17.2pp | 373.84%-365.1pp |
| Employer contribution / active EE | $2,857 | $3,622-21.1% | $2,966-3.7% | $4,755-39.9% |
| Participant deferral / active EE | $0 | $5,549-100.0% | $4,851-100.0% | $6,713-100.0% |
| Admin fee / account holder | $6,916 | $11,602-40.4% | $8,254-16.2% | $11,407-39.4% |