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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
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 | $71,400 | $93,373-23.5% | $152,466-53.2% | $85,856-16.8% |
| Participation rate | 77.8% | 70.1%+7.7pp | 78.2%-0.4pp | 69.3%+8.5pp |
| Annual return | 17.44% | 21.84%-4.4pp | 757.33%-739.9pp | 318.58%-301.1pp |
| Employer contribution / active EE | $4,323 | $2,996+44.3% | $4,327-0.1% | $2,565+68.5% |
| Participant deferral / active EE | $7,467 | $4,550+64.1% | $5,820+28.3% | $3,952+88.9% |
| Admin fee / account holder | $2,493 | $13,853-82.0% | $15,805-84.2% | $6,261-60.2% |