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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 | $18,026 | $50,947-64.6% | $74,551-75.8% | $64,173-71.9% |
| Participation rate | 82.1% | 61.1%+21.0pp | 69.1%+13.0pp | 69.6%+12.5pp |
| Annual return | -3.92% | -1.85%-2.1pp | 32.53%-36.5pp | 7.63%-11.6pp |
| Employer contribution / active EE | $526 | $1,115-52.8% | $1,961-73.2% | $2,381-77.9% |
| Participant deferral / active EE | $1,676 | $2,302-27.2% | $3,108-46.1% | $3,470-51.7% |
| Admin fee / account holder | $1,053 | $4,221-75.1% | $5,059-79.2% | $4,887-78.5% |