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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 | $82,111 | $73,102+12.3% | $123,553-33.5% | $56,289+45.9% |
| Participation rate | 63.8% | 74.3%-10.5pp | 82.3%-18.5pp | 69.9%-6.1pp |
| Annual return | 41.15% | 3.01%+38.1pp | 119.21%-78.1pp | -9.96%+51.1pp |
| Employer contribution / active EE | $2,227 | $2,977-25.2% | $4,628-51.9% | $2,111+5.5% |
| Participant deferral / active EE | $4,783 | $5,423-11.8% | $6,426-25.6% | $3,350+42.8% |
| Admin fee / account holder | $5,769 | $554+941.9% | $9,284-37.9% | $521+1007.4% |