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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 | $91,183 | $45,343+101.1% | $150,298-39.3% | $67,986+34.1% |
| Participation rate | 45.0% | 51.9%-6.9pp | 77.8%-32.8pp | 57.2%-12.2pp |
| Annual return | 17.50% | 33.28%-15.8pp | 62.79%-45.3pp | 31.67%-14.2pp |
| Employer contribution / active EE | $1,962 | $1,462+34.2% | $4,154-52.8% | $2,019-2.8% |
| Participant deferral / active EE | $4,528 | $2,055+120.4% | $5,453-17.0% | $3,358+34.8% |
| Admin fee / account holder | $20,820 | $2,250+825.4% | $14,116+47.5% | $3,203+550.0% |