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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 | $51,381 | $101,591-49.4% | $147,096-65.1% | $74,429-31.0% |
| Participation rate | 53.9% | 75.5%-21.6pp | 82.2%-28.2pp | 67.2%-13.3pp |
| Annual return | 14.53% | 8746.45%-8731.9pp | 419.75%-405.2pp | 1368.38%-1353.9pp |
| Employer contribution / active EE | $2,123 | $3,813-44.3% | $4,936-57.0% | $2,625-19.1% |
| Participant deferral / active EE | $4,203 | $7,302-42.4% | $8,071-47.9% | $4,348-3.3% |
| Admin fee / account holder | $664 | $1,750-62.1% | $13,005-94.9% | $1,944-65.9% |