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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 | $28,566 | $58,311-51.0% | $81,882-65.1% | $80,959-64.7% |
| Participation rate | 97.1% | 63.5%+33.6pp | 72.4%+24.7pp | 67.7%+29.4pp |
| Annual return | 9.65% | 41.85%-32.2pp | 779.47%-769.8pp | 35.67%-26.0pp |
| Employer contribution / active EE | $4,514 | $2,347+92.4% | $2,916+54.8% | $2,757+63.7% |
| Participant deferral / active EE | $1,093 | $3,287-66.7% | $4,323-74.7% | $4,300-74.6% |
| Admin fee / account holder | $10,851 | $4,752+128.3% | $7,360+47.4% | $6,925+56.7% |