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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 | $86,170 | $176,105-51.1% | $159,474-46.0% | $167,536-48.6% |
| Participation rate | 100.0% | 85.0%+15.0pp | 82.8%+17.2pp | 82.1%+17.9pp |
| Annual return | 10.96% | 331.91%-321.0pp | 263.68%-252.7pp | 478.82%-467.9pp |
| Employer contribution / active EE | $4,386 | $5,299-17.2% | $4,831-9.2% | $4,839-9.4% |
| Participant deferral / active EE | $14,772 | $7,751+90.6% | $7,353+100.9% | $6,342+132.9% |
| Admin fee / account holder | $92,045 | $12,559+632.9% | $10,802+752.1% | $12,315+647.5% |