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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 | $41,016+122.3% | $152,093-40.0% | $64,097+42.3% |
| Participation rate | 45.0% | 51.3%-6.4pp | 77.8%-32.8pp | 55.2%-10.2pp |
| Annual return | 17.50% | 39.60%-22.1pp | 66.36%-48.9pp | 34.64%-17.1pp |
| Employer contribution / active EE | $1,962 | $1,342+46.2% | $4,175-53.0% | $1,891+3.7% |
| Participant deferral / active EE | $4,528 | $1,927+134.9% | $5,451-16.9% | $3,080+47.0% |
| Admin fee / account holder | $20,820 | $2,305+803.1% | $14,497+43.6% | $3,454+502.7% |