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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 | $8,786 | $81,331-89.2% | $155,534-94.4% | $80,935-89.1% |
| Participation rate | 98.8% | 66.3%+32.5pp | 78.2%+20.6pp | 67.7%+31.1pp |
| Annual return | 26.17% | 33.37%-7.2pp | 64.92%-38.7pp | 35.66%-9.5pp |
| Employer contribution / active EE | $2,360 | $3,105-24.0% | $4,675-49.5% | $2,757-14.4% |
| Participant deferral / active EE | $4,517 | $3,454+30.8% | $5,630-19.8% | $4,299+5.1% |
| Admin fee / account holder | $372 | $7,999-95.3% | $15,900-97.7% | $6,924-94.6% |