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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 | $81,331-76.3% | $155,534-87.6% | $80,935-76.2% |
| Participation rate | 83.0% | 66.3%+16.7pp | 78.2%+4.7pp | 67.7%+15.3pp |
| Annual return | 14.35% | 33.37%-19.0pp | 64.92%-50.6pp | 35.66%-21.3pp |
| Employer contribution / active EE | $0 | $3,105-100.0% | $4,675-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $3,937 | $3,454+14.0% | $5,630-30.1% | $4,299-8.4% |
| Admin fee / account holder | $1,618 | $7,999-79.8% | $15,900-89.8% | $6,924-76.6% |