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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 | $7,842 | $61,660-87.3% | $80,022-90.2% | $64,173-87.8% |
| Participation rate | 94.8% | 71.7%+23.1pp | 75.8%+19.0pp | 69.6%+25.2pp |
| Annual return | -5.99% | -0.33%-5.7pp | 11.22%-17.2pp | 7.63%-13.6pp |
| Employer contribution / active EE | $476 | $1,810-73.7% | $2,468-80.7% | $2,381-80.0% |
| Participant deferral / active EE | $1,597 | $2,968-46.2% | $3,686-56.7% | $3,470-54.0% |
| Admin fee / account holder | $2,748 | $5,417-49.3% | $6,521-57.9% | $4,887-43.8% |