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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 | $32,862 | $46,332-29.1% | $143,797-77.1% | $64,824-49.3% |
| Participation rate | 49.1% | 64.2%-15.1pp | 80.3%-31.2pp | 71.5%-22.3pp |
| Annual return | 3.29% | -10.05%+13.3pp | -0.04%+3.3pp | 32.84%-29.6pp |
| Employer contribution / active EE | $2,096 | $1,911+9.7% | $4,952-57.7% | $2,507-16.4% |
| Participant deferral / active EE | $4,474 | $2,647+69.0% | $5,638-20.6% | $4,311+3.8% |
| Admin fee / account holder | $1,869 | $154+1115.1% | $14,679-87.3% | $188+895.2% |