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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 | $101,672-49.5% | $147,117-65.1% | $74,478-31.0% |
| Participation rate | 53.9% | 75.5%-21.6pp | 82.2%-28.2pp | 67.2%-13.3pp |
| Annual return | 14.53% | 8757.83%-8743.3pp | 420.54%-406.0pp | 1370.56%-1356.0pp |
| Employer contribution / active EE | $2,123 | $3,813-44.3% | $4,932-57.0% | $2,626-19.1% |
| Participant deferral / active EE | $4,203 | $7,305-42.5% | $8,065-47.9% | $4,350-3.4% |
| Admin fee / account holder | $664 | $1,753-62.2% | $12,993-94.9% | $1,946-65.9% |