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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 | $76,895 | $138,102-44.3% | $125,381-38.7% | $134,532-42.8% |
| Participation rate | 100.0% | 84.5%+15.5pp | 82.4%+17.6pp | 81.2%+18.8pp |
| Annual return | -20.66% | 750.73%-771.4pp | 572.31%-593.0pp | 418.27%-438.9pp |
| Employer contribution / active EE | $19,321 | $5,245+268.3% | $4,815+301.2% | $4,741+307.5% |
| Participant deferral / active EE | $13,230 | $7,801+69.6% | $7,448+77.6% | $6,401+106.7% |
| Admin fee / account holder | $4,044 | $11,568-65.0% | $10,007-59.6% | $11,429-64.6% |