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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 | $8,738 | $51,223-82.9% | $82,763-89.4% | $66,949-86.9% |
| Participation rate | 89.5% | 67.9%+21.6pp | 72.6%+17.0pp | 69.8%+19.7pp |
| Annual return | -15.11% | -9.85%-5.3pp | 702.45%-717.6pp | 1.57%-16.7pp |
| Employer contribution / active EE | $1,317 | $2,611-49.5% | $3,008-56.2% | $2,545-48.2% |
| Participant deferral / active EE | $2,048 | $3,460-40.8% | $4,395-53.4% | $4,239-51.7% |
| Admin fee / account holder | $1,264 | $415+204.3% | $5,325-76.3% | $594+113.0% |