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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 | $82,133-77.9% | $147,318-87.7% | $64,097-71.6% |
| Participation rate | 81.9% | 62.3%+19.6pp | 82.1%-0.2pp | 55.2%+26.7pp |
| Annual return | 18.74% | 78.78%-60.0pp | 70.43%-51.7pp | 34.64%-15.9pp |
| Employer contribution / active EE | $1,253 | $2,872-56.4% | $4,593-72.7% | $1,891-33.8% |
| Participant deferral / active EE | $2,379 | $5,407-56.0% | $7,906-69.9% | $3,080-22.8% |
| Admin fee / account holder | $1,967 | $3,730-47.3% | $13,708-85.7% | $3,454-43.1% |