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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 | $35,902 | $47,180-23.9% | $149,723-76.0% | $74,473-51.8% |
| Participation rate | 37.8% | 63.4%-25.6pp | 78.8%-41.0pp | 70.7%-32.9pp |
| Annual return | 20.24% | 22.75%-2.5pp | 134.50%-114.3pp | 34.36%-14.1pp |
| Employer contribution / active EE | $1,084 | $1,907-43.1% | $4,821-77.5% | $2,638-58.9% |
| Participant deferral / active EE | $2,405 | $2,730-11.9% | $5,682-57.7% | $4,530-46.9% |
| Admin fee / account holder | $1,548 | $343+351.2% | $13,215-88.3% | $347+346.0% |