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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 | $86,789 | $80,992+7.2% | $96,534-10.1% | $75,173+15.5% |
| Participation rate | 93.5% | 71.8%+21.7pp | 76.0%+17.5pp | 67.2%+26.3pp |
| Annual return | 12.20% | 27.05%-14.8pp | 25.88%-13.7pp | 160.72%-148.5pp |
| Employer contribution / active EE | $4,961 | $2,283+117.3% | $2,965+67.3% | $2,671+85.7% |
| Participant deferral / active EE | $5,092 | $3,929+29.6% | $4,851+5.0% | $4,126+23.4% |
| Admin fee / account holder | $5,384 | $6,717-19.8% | $8,253-34.8% | $5,651-4.7% |