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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
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 | $79,124 | $88,203-10.3% | $165,100-52.1% | $74,478+6.2% |
| Participation rate | 70.5% | 73.1%-2.6pp | 78.6%-8.1pp | 67.2%+3.3pp |
| Annual return | 10.85% | 17.13%-6.3pp | 70.21%-59.4pp | 1370.56%-1359.7pp |
| Employer contribution / active EE | $1,740 | $2,601-33.1% | $4,348-60.0% | $2,626-33.7% |
| Participant deferral / active EE | $3,311 | $4,505-26.5% | $6,035-45.1% | $4,350-23.9% |
| Admin fee / account holder | $4,009 | $2,235+79.4% | $12,696-68.4% | $1,946+106.0% |