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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 | $81,262-89.2% | $155,602-94.4% | $80,911-89.1% |
| Participation rate | 98.8% | 66.2%+32.6pp | 78.2%+20.6pp | 67.6%+31.1pp |
| Annual return | 26.17% | 33.34%-7.2pp | 64.81%-38.6pp | 35.63%-9.5pp |
| Employer contribution / active EE | $2,360 | $3,102-23.9% | $4,675-49.5% | $2,756-14.4% |
| Participant deferral / active EE | $4,517 | $3,451+30.9% | $5,629-19.7% | $4,297+5.1% |
| Admin fee / account holder | $372 | $7,992-95.3% | $15,923-97.7% | $6,935-94.6% |