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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 | $9,005 | $77,901-88.4% | $149,717-94.0% | $75,181-88.0% |
| Participation rate | 92.7% | 65.6%+27.1pp | 78.8%+13.9pp | 67.2%+25.5pp |
| Annual return | 18.24% | 31.73%-13.5pp | 134.41%-116.2pp | 160.69%-142.4pp |
| Employer contribution / active EE | $3,450 | $3,137+10.0% | $4,820-28.4% | $2,671+29.2% |
| Participant deferral / active EE | $3,874 | $3,411+13.6% | $5,682-31.8% | $4,126-6.1% |
| Admin fee / account holder | $459 | $5,949-92.3% | $13,213-96.5% | $5,650-91.9% |