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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 | $62,043 | $45,343+36.8% | $150,298-58.7% | $67,986-8.7% |
| Participation rate | 63.9% | 51.9%+12.0pp | 77.8%-13.9pp | 57.2%+6.7pp |
| Annual return | 19.08% | 33.28%-14.2pp | 62.79%-43.7pp | 31.67%-12.6pp |
| Employer contribution / active EE | $2,095 | $1,462+43.3% | $4,154-49.6% | $2,019+3.8% |
| Participant deferral / active EE | $4,221 | $2,055+105.4% | $5,453-22.6% | $3,358+25.7% |
| Admin fee / account holder | $2,100 | $2,250-6.7% | $14,116-85.1% | $3,203-34.4% |