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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 | $27,596 | $95,453-71.1% | $112,040-75.4% | $82,448-66.5% |
| Participation rate | 98.9% | 72.8%+26.1pp | 76.5%+22.4pp | 68.1%+30.8pp |
| Annual return | 16.73% | 23.92%-7.2pp | 24.52%-7.8pp | 41.64%-24.9pp |
| Employer contribution / active EE | $1,727 | $2,318-25.5% | $2,954-41.6% | $2,551-32.3% |
| Participant deferral / active EE | $2,055 | $4,224-51.3% | $5,098-59.7% | $4,139-50.3% |
| Admin fee / account holder | $778 | $9,013-91.4% | $12,098-93.6% | $7,234-89.2% |