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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 | $26,888 | $47,180-43.0% | $149,723-82.0% | $74,473-63.9% |
| Participation rate | 17.0% | 63.4%-46.4pp | 78.8%-61.8pp | 70.7%-53.8pp |
| Annual return | 20.98% | 22.75%-1.8pp | 134.50%-113.5pp | 34.36%-13.4pp |
| Employer contribution / active EE | $518 | $1,907-72.9% | $4,821-89.3% | $2,638-80.4% |
| Participant deferral / active EE | $1,092 | $2,730-60.0% | $5,682-80.8% | $4,530-75.9% |
| Admin fee / account holder | $3,344 | $343+874.8% | $13,215-74.7% | $347+863.7% |