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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $9,815 | $48,053-79.6% | $84,628-88.4% | $72,975-86.6% |
| Participation rate | 93.1% | 57.6%+35.5pp | 68.2%+24.9pp | 69.5%+23.6pp |
| Annual return | 21.91% | 37.39%-15.5pp | 258.80%-236.9pp | 81.01%-59.1pp |
| Employer contribution / active EE | $3,577 | $1,602+123.3% | $2,653+34.8% | $2,440+46.6% |
| Participant deferral / active EE | $1,302 | $2,681-51.4% | $3,900-66.6% | $3,608-63.9% |
| Admin fee / account holder | $1,855 | $3,395-45.4% | $4,914-62.2% | $5,124-63.8% |