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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
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 | $39,940 | $72,404-44.8% | $110,241-63.8% | $64,181-37.8% |
| Participation rate | 98.8% | 73.3%+25.5pp | 79.8%+19.0pp | 69.6%+29.3pp |
| Annual return | -13.14% | -6.29%-6.9pp | 314.75%-327.9pp | 7.63%-20.8pp |
| Employer contribution / active EE | $5,035 | $2,282+120.7% | $3,827+31.6% | $2,381+111.5% |
| Participant deferral / active EE | $2,551 | $3,469-26.5% | $4,672-45.4% | $3,470-26.5% |
| Admin fee / account holder | $5,095 | $5,664-10.0% | $8,548-40.4% | $4,887+4.3% |