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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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 | $94,397 | $85,515+10.4% | $112,040-15.7% | $67,986+38.8% |
| Participation rate | 65.5% | 68.2%-2.8pp | 76.5%-11.0pp | 57.2%+8.2pp |
| Annual return | 15.12% | 29.68%-14.6pp | 24.52%-9.4pp | 31.67%-16.5pp |
| Employer contribution / active EE | $682 | $2,191-68.9% | $2,954-76.9% | $2,019-66.2% |
| Participant deferral / active EE | $6,603 | $4,014+64.5% | $5,098+29.5% | $3,358+96.6% |
| Admin fee / account holder | $7,618 | $3,774+101.9% | $12,098-37.0% | $3,203+137.8% |