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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 | $38,457 | $123,793-68.9% | $177,848-78.4% | $79,856-51.8% |
| Participation rate | 97.1% | 84.7%+12.4pp | 87.7%+9.3pp | 69.6%+27.4pp |
| Annual return | 16.91% | 22.82%-5.9pp | 48.33%-31.4pp | 31.71%-14.8pp |
| Employer contribution / active EE | $2,742 | $4,095-33.1% | $5,919-53.7% | $2,471+10.9% |
| Participant deferral / active EE | $6,392 | $5,956+7.3% | $7,714-17.1% | $3,741+70.9% |
| Admin fee / account holder | $4,734 | $7,243-34.6% | $12,431-61.9% | $5,306-10.8% |