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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 | $66,162 | $65,246+1.4% | $98,716-33.0% | $67,986-2.7% |
| Participation rate | 42.6% | 51.4%-8.8pp | 69.3%-26.7pp | 57.2%-14.6pp |
| Annual return | 15.92% | 20.58%-4.7pp | 31.81%-15.9pp | 31.67%-15.7pp |
| Employer contribution / active EE | $1,844 | $1,042+77.0% | $2,279-19.1% | $2,019-8.7% |
| Participant deferral / active EE | $3,688 | $2,594+42.1% | $4,048-8.9% | $3,358+9.8% |
| Admin fee / account holder | $4,209 | $4,561-7.7% | $8,703-51.6% | $3,203+31.4% |