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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 | $43,496+42.6% | $161,489-61.6% | $64,340-3.6% |
| Participation rate | 63.9% | 53.5%+10.3pp | 78.7%-14.8pp | 55.2%+8.6pp |
| Annual return | 19.08% | 20.76%-1.7pp | 89.72%-70.6pp | 24.14%-5.1pp |
| Employer contribution / active EE | $2,095 | $1,431+46.4% | $4,268-50.9% | $1,862+12.5% |
| Participant deferral / active EE | $4,221 | $1,996+111.5% | $5,630-25.0% | $2,980+41.6% |
| Admin fee / account holder | $2,100 | $2,330-9.9% | $16,006-86.9% | $3,703-43.3% |