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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 | $2,615 | $52,279-95.0% | $89,435-97.1% | $79,856-96.7% |
| Participation rate | 85.7% | 57.5%+28.2pp | 68.0%+17.7pp | 69.6%+16.1pp |
| Annual return | 13.41% | 22.16%-8.7pp | 245.55%-232.1pp | 31.71%-18.3pp |
| Employer contribution / active EE | $354 | $1,572-77.5% | $2,587-86.3% | $2,471-85.7% |
| Participant deferral / active EE | $1,050 | $2,740-61.7% | $3,890-73.0% | $3,741-71.9% |
| Admin fee / account holder | $406 | $3,356-87.9% | $4,884-91.7% | $5,306-92.4% |