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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 | $81,871 | $76,696+6.7% | $96,538-15.2% | $71,529+14.5% |
| Participation rate | 90.4% | 66.6%+23.9pp | 74.3%+16.1pp | 67.9%+22.5pp |
| Annual return | 10.60% | 48.32%-37.7pp | 35.74%-25.1pp | 28.97%-18.4pp |
| Employer contribution / active EE | $4,089 | $3,032+34.9% | $3,740+9.3% | $2,590+57.9% |
| Participant deferral / active EE | $1,850 | $3,770-50.9% | $4,880-62.1% | $4,291-56.9% |
| Admin fee / account holder | $2,793 | $2,030+37.6% | $6,737-58.5% | $1,588+75.8% |