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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 | $7,868 | $64,716-87.8% | $112,258-93.0% | $68,495-88.5% |
| Participation rate | 95.3% | 67.2%+28.2pp | 75.1%+20.3pp | 67.9%+27.5pp |
| Annual return | -16.04% | -11.40%-4.6pp | 27.47%-43.5pp | -7.84%-8.2pp |
| Employer contribution / active EE | $2,631 | $2,746-4.2% | $3,636-27.6% | $2,596+1.3% |
| Participant deferral / active EE | $1,949 | $3,565-45.3% | $4,728-58.8% | $4,028-51.6% |
| Admin fee / account holder | $1,639 | $5,232-68.7% | $6,411-74.4% | $5,403-69.7% |