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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 | $115,236 | $50,082+130.1% | $93,515+23.2% | $79,856+44.3% |
| Participation rate | 94.5% | 60.9%+33.6pp | 66.8%+27.7pp | 69.6%+24.9pp |
| Annual return | 0.49% | 24.59%-24.1pp | 78.21%-77.7pp | 31.71%-31.2pp |
| Employer contribution / active EE | $4,834 | $1,303+270.9% | $2,077+132.7% | $2,471+95.6% |
| Participant deferral / active EE | $6,576 | $2,212+197.2% | $3,129+110.2% | $3,741+75.8% |
| Admin fee / account holder | $2,538 | $3,454-26.5% | $5,235-51.5% | $5,306-52.2% |