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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 | $50,919-3.0% | $155,556-68.3% | $77,762-36.5% |
| Participation rate | 65.6% | 63.1%+2.6pp | 78.2%-12.6pp | 70.6%-4.9pp |
| Annual return | 57.22% | 34.84%+22.4pp | 64.84%-7.6pp | 31.27%+25.9pp |
| Employer contribution / active EE | $757 | $1,991-62.0% | $4,675-83.8% | $2,728-72.3% |
| Participant deferral / active EE | $1,689 | $2,824-40.2% | $5,631-70.0% | $4,651-63.7% |
| Admin fee / account holder | $1,775 | $437+306.4% | $15,885-88.8% | $433+310.0% |