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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 | $21,768 | $136,307-84.0% | $177,840-87.8% | $73,493-70.4% |
| Participation rate | 95.5% | 86.1%+9.4pp | 87.7%+7.8pp | 70.7%+24.8pp |
| Annual return | 27.51% | 18.68%+8.8pp | 48.32%-20.8pp | 28.51%-1.0pp |
| Employer contribution / active EE | $2,295 | $3,712-38.2% | $5,919-61.2% | $2,270+1.1% |
| Participant deferral / active EE | $3,996 | $5,829-31.4% | $7,714-48.2% | $3,740+6.8% |
| Admin fee / account holder | $636 | $596+6.8% | $12,431-94.9% | $513+23.9% |