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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 | $32,228 | $55,437-41.9% | $155,534-79.3% | $74,459-56.7% |
| Participation rate | 37.1% | 61.9%-24.8pp | 78.2%-41.1pp | 67.2%-30.1pp |
| Annual return | 17.91% | 269.58%-251.7pp | 64.92%-47.0pp | 1369.70%-1351.8pp |
| Employer contribution / active EE | $647 | $2,266-71.4% | $4,675-86.2% | $2,626-75.4% |
| Participant deferral / active EE | $938 | $2,837-66.9% | $5,630-83.3% | $4,350-78.4% |
| Admin fee / account holder | $1,897 | $1,742+8.9% | $15,900-88.1% | $1,945-2.4% |