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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 | $19,362 | $70,475-72.5% | $100,530-80.7% | $79,858-75.8% |
| Participation rate | 93.5% | 73.7%+19.8pp | 79.4%+14.1pp | 69.6%+23.8pp |
| Annual return | 13.00% | 21.90%-8.9pp | 30.89%-17.9pp | 31.72%-18.7pp |
| Employer contribution / active EE | $2,316 | $2,165+7.0% | $3,418-32.3% | $2,471-6.3% |
| Participant deferral / active EE | $2,889 | $5,181-44.2% | $6,271-53.9% | $3,740-22.8% |
| Admin fee / account holder | $867 | $4,478-80.7% | $8,083-89.3% | $5,306-83.7% |