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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 | $32,555 | $79,700-59.2% | $153,500-78.8% | $74,429-56.3% |
| Participation rate | 50.8% | 69.8%-19.1pp | 77.1%-26.3pp | 67.2%-16.4pp |
| Annual return | 15.11% | 15.07%0pp | 15.70%-0.6pp | 1368.38%-1353.3pp |
| Employer contribution / active EE | $2,551 | $4,016-36.5% | $5,039-49.4% | $2,625-2.8% |
| Participant deferral / active EE | $2,594 | $5,315-51.2% | $6,756-61.6% | $4,348-40.3% |
| Admin fee / account holder | $2,923 | $1,790+63.3% | $12,736-77.0% | $1,944+50.3% |