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Employer contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
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 | $38,314 | $65,027-41.1% | $90,970-57.9% | $79,852-52.0% |
| Participation rate | 94.3% | 61.6%+32.7pp | 69.0%+25.3pp | 69.6%+24.7pp |
| Annual return | 17.69% | 30.45%-12.8pp | 134.58%-116.9pp | 31.72%-14.0pp |
| Employer contribution / active EE | $227 | $1,247-81.8% | $2,122-89.3% | $2,471-90.8% |
| Participant deferral / active EE | $1,183 | $2,512-52.9% | $3,373-64.9% | $3,740-68.4% |
| Admin fee / account holder | $1,413 | $4,535-68.9% | $5,960-76.3% | $5,306-73.4% |