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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 | $146,016 | $76,383+91.2% | $121,663+20.0% | $64,340+126.9% |
| Participation rate | 66.9% | 60.4%+6.5pp | 74.5%-7.6pp | 55.2%+11.7pp |
| Annual return | 14.15% | 16.98%-2.8pp | 147.54%-133.4pp | 24.14%-10.0pp |
| Employer contribution / active EE | $656 | $1,943-66.2% | $3,020-78.3% | $1,862-64.7% |
| Participant deferral / active EE | $4,451 | $3,149+41.3% | $4,887-8.9% | $2,980+49.3% |
| Admin fee / account holder | $11,262 | $4,142+171.9% | $14,289-21.2% | $3,703+204.2% |