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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 | $56,006 | $51,638+8.5% | $68,368-18.1% | $82,448-32.1% |
| Participation rate | 98.3% | 63.6%+34.7pp | 73.8%+24.5pp | 68.1%+30.2pp |
| Annual return | 12.12% | 37.53%-25.4pp | 292.57%-280.5pp | 41.64%-29.5pp |
| Employer contribution / active EE | $1,600 | $2,047-21.8% | $2,649-39.6% | $2,551-37.3% |
| Participant deferral / active EE | $3,804 | $2,914+30.6% | $4,123-7.7% | $4,139-8.1% |
| Admin fee / account holder | $7,168 | $4,643+54.4% | $5,150+39.2% | $7,234-0.9% |