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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 | $120,706 | $84,236+43.3% | $170,435-29.2% | $70,126+72.1% |
| Participation rate | 65.9% | 70.8%-4.9pp | 83.6%-17.7pp | 69.5%-3.6pp |
| Annual return | 14.29% | 23.06%-8.8pp | 205.94%-191.6pp | 73.15%-58.9pp |
| Employer contribution / active EE | $6,119 | $3,387+80.7% | $5,432+12.6% | $2,343+161.2% |
| Participant deferral / active EE | $3,672 | $3,086+19.0% | $4,939-25.7% | $3,332+10.2% |
| Admin fee / account holder | $4,294 | $5,698-24.6% | $13,881-69.1% | $4,645-7.6% |