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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
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 | $39,588 | $44,221-10.5% | $121,220-67.3% | $56,289-29.7% |
| Participation rate | 80.9% | 61.1%+19.8pp | 71.8%+9.1pp | 69.9%+11.0pp |
| Annual return | -9.36% | -3.58%-5.8pp | 16.94%-26.3pp | -9.96%+0.6pp |
| Employer contribution / active EE | $1,453 | $1,480-1.8% | $4,023-63.9% | $2,111-31.2% |
| Participant deferral / active EE | $4,046 | $2,521+60.5% | $3,345+21.0% | $3,350+20.8% |
| Admin fee / account holder | $715 | $480+48.8% | $5,021-85.8% | $521+37.2% |