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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 | $4,569 | $58,627-92.2% | $76,735-94.0% | $82,448-94.5% |
| Participation rate | 83.7% | 63.2%+20.5pp | 69.5%+14.2pp | 68.1%+15.6pp |
| Annual return | 19.22% | 39.10%-19.9pp | 29.77%-10.5pp | 41.64%-22.4pp |
| Employer contribution / active EE | $1,002 | $1,729-42.0% | $2,454-59.2% | $2,551-60.7% |
| Participant deferral / active EE | $2,036 | $3,134-35.0% | $4,088-50.2% | $4,139-50.8% |
| Admin fee / account holder | $1,930 | $5,323-63.7% | $7,189-73.2% | $7,234-73.3% |