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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 | $125,335 | $73,532+70.4% | $178,540-29.8% | $74,459+68.3% |
| Participation rate | 65.9% | 66.6%-0.7pp | 77.1%-11.2pp | 67.2%-1.3pp |
| Annual return | 13.87% | 17.51%-3.6pp | 27.15%-13.3pp | 1369.70%-1355.8pp |
| Employer contribution / active EE | $705 | $2,221-68.3% | $3,953-82.2% | $2,626-73.1% |
| Participant deferral / active EE | $5,674 | $4,519+25.6% | $6,281-9.6% | $4,350+30.5% |
| Admin fee / account holder | $11,901 | $1,813+556.6% | $10,424+14.2% | $1,945+512.0% |