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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 | $23,119 | $51,207-54.9% | $70,565-67.2% | $75,177-69.2% |
| Participation rate | 95.2% | 61.0%+34.3pp | 68.4%+26.9pp | 67.2%+28.0pp |
| Annual return | 12.76% | 30.05%-17.3pp | 32.79%-20.0pp | 160.75%-148.0pp |
| Employer contribution / active EE | $1,625 | $1,826-11.0% | $2,976-45.4% | $2,671-39.1% |
| Participant deferral / active EE | $3,013 | $2,850+5.7% | $4,568-34.0% | $4,126-27.0% |
| Admin fee / account holder | $2,548 | $4,097-37.8% | $6,430-60.4% | $5,651-54.9% |