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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 | $79,867+18.2% | $120,344-21.6% | $64,340+46.7% |
| Participation rate | 65.5% | 63.0%+2.5pp | 76.7%-11.3pp | 55.2%+10.2pp |
| Annual return | 15.12% | 21.10%-6.0pp | 20.30%-5.2pp | 24.14%-9.0pp |
| Employer contribution / active EE | $682 | $1,925-64.6% | $3,020-77.4% | $1,862-63.4% |
| Participant deferral / active EE | $6,603 | $3,593+83.8% | $5,135+28.6% | $2,980+121.6% |
| Admin fee / account holder | $7,618 | $5,039+51.2% | $12,742-40.2% | $3,703+105.8% |