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Employer contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
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 | $19,246 | $81,262-76.3% | $155,602-87.6% | $80,911-76.2% |
| Participation rate | 83.0% | 66.2%+16.7pp | 78.2%+4.8pp | 67.6%+15.3pp |
| Annual return | 14.35% | 33.34%-19.0pp | 64.81%-50.5pp | 35.63%-21.3pp |
| Employer contribution / active EE | $0 | $3,102-100.0% | $4,675-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $3,937 | $3,451+14.1% | $5,629-30.1% | $4,297-8.4% |
| Admin fee / account holder | $1,618 | $7,992-79.8% | $15,923-89.8% | $6,935-76.7% |