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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 | $52,299 | $64,719-19.2% | $112,249-53.4% | $68,486-23.6% |
| Participation rate | 94.7% | 67.2%+27.6pp | 75.1%+19.7pp | 67.9%+26.8pp |
| Annual return | -16.19% | -11.40%-4.8pp | 27.48%-43.7pp | -7.85%-8.3pp |
| Employer contribution / active EE | $663 | $2,747-75.9% | $3,636-81.8% | $2,597-74.5% |
| Participant deferral / active EE | $2,190 | $3,565-38.6% | $4,729-53.7% | $4,028-45.6% |
| Admin fee / account holder | $5,203 | $5,232-0.6% | $6,412-18.9% | $5,404-3.7% |