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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 | $210,648 | $77,419+172.1% | $69,461+203.3% | $152,885+37.8% |
| Participation rate | 75.0% | 78.1%-3.1pp | 74.6%+0.4pp | 82.5%-7.5pp |
| Annual return | 36.13% | 39.07%-2.9pp | 28.97%+7.2pp | 345.39%-309.3pp |
| Employer contribution / active EE | $2,369 | $3,315-28.5% | $2,779-14.8% | $4,763-50.3% |
| Participant deferral / active EE | $8,279 | $4,414+87.6% | $3,536+134.1% | $5,851+41.5% |
| Admin fee / account holder | $1,177 | $6,207-81.0% | $3,840-69.3% | $11,598-89.9% |