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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 | $42,482 | $61,356-30.8% | $149,696-71.6% | $71,511-40.6% |
| Participation rate | 49.3% | 62.5%-13.2pp | 78.8%-29.4pp | 67.9%-18.6pp |
| Annual return | 19.16% | 35.86%-16.7pp | 134.46%-115.3pp | 28.86%-9.7pp |
| Employer contribution / active EE | $1,658 | $2,382-30.4% | $4,821-65.6% | $2,589-36.0% |
| Participant deferral / active EE | $3,267 | $2,920+11.9% | $5,682-42.5% | $4,291-23.9% |
| Admin fee / account holder | $4,999 | $1,263+295.8% | $13,212-62.2% | $1,588+214.7% |