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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 | $90,315 | $30,437+196.7% | $56,033+61.2% | $74,459+21.3% |
| Participation rate | 41.5% | 32.9%+8.7pp | 52.5%-10.9pp | 67.2%-25.7pp |
| Annual return | 19.96% | 24.96%-5.0pp | 1711.38%-1691.4pp | 1369.70%-1349.7pp |
| Employer contribution / active EE | $235 | $610-61.4% | $1,041-77.4% | $2,626-91.0% |
| Participant deferral / active EE | $2,602 | $1,176+121.3% | $1,954+33.2% | $4,350-40.2% |
| Admin fee / account holder | $1,351 | $2,363-42.9% | $2,827-52.2% | $1,945-30.6% |