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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 | $18,187 | $88,360-79.4% | $145,433-87.5% | $67,986-73.2% |
| Participation rate | 81.9% | 65.5%+16.4pp | 82.1%-0.2pp | 57.2%+24.7pp |
| Annual return | 18.74% | 63.15%-44.4pp | 66.58%-47.8pp | 31.67%-12.9pp |
| Employer contribution / active EE | $1,253 | $3,054-59.0% | $4,554-72.5% | $2,019-37.9% |
| Participant deferral / active EE | $2,379 | $5,932-59.9% | $7,897-69.9% | $3,358-29.2% |
| Admin fee / account holder | $1,967 | $3,313-40.6% | $13,129-85.0% | $3,203-38.6% |