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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 | $13,287 | $72,269-81.6% | $101,271-86.9% | $79,852-83.4% |
| Participation rate | 96.3% | 68.5%+27.8pp | 75.8%+20.5pp | 69.6%+26.7pp |
| Annual return | 11.78% | 22.29%-10.5pp | 46.48%-34.7pp | 31.72%-19.9pp |
| Employer contribution / active EE | $2,151 | $2,692-20.1% | $3,660-41.2% | $2,471-13.0% |
| Participant deferral / active EE | $2,770 | $3,282-15.6% | $4,371-36.6% | $3,740-25.9% |
| Admin fee / account holder | $4,258 | $4,401-3.2% | $5,948-28.4% | $5,306-19.7% |