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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 | $49,370 | $50,820-2.9% | $155,567-68.3% | $77,671-36.4% |
| Participation rate | 65.6% | 63.1%+2.5pp | 78.2%-12.5pp | 70.6%-4.9pp |
| Annual return | 57.22% | 34.85%+22.4pp | 64.74%-7.5pp | 31.21%+26.0pp |
| Employer contribution / active EE | $757 | $1,993-62.0% | $4,674-83.8% | $2,726-72.3% |
| Participant deferral / active EE | $1,689 | $2,823-40.2% | $5,628-70.0% | $4,648-63.7% |
| Admin fee / account holder | $1,775 | $436+307.1% | $15,916-88.8% | $430+312.4% |