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 | $219,490 | $47,960+357.6% | $75,906+189.2% | $65,188+236.7% |
| Participation rate | 50.3% | 63.0%-12.8pp | 69.3%-19.0pp | 70.2%-19.9pp |
| Annual return | 24.61% | 24.08%+0.5pp | 30.73%-6.1pp | 29.38%-4.8pp |
| Employer contribution / active EE | $1,657 | $1,558+6.3% | $2,501-33.7% | $2,177-23.9% |
| Participant deferral / active EE | $6,437 | $2,552+152.3% | $3,604+78.6% | $3,514+83.2% |
| Admin fee / account holder | $6,964 | $532+1209.2% | $5,421+28.5% | $847+722.0% |