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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 | $72,207 | $84,493-14.5% | $125,381-42.4% | $66,938+7.9% |
| Participation rate | 66.4% | 76.4%-10.0pp | 82.4%-16.0pp | 69.8%-3.4pp |
| Annual return | -17.79% | -8.49%-9.3pp | 572.31%-590.1pp | 1.58%-19.4pp |
| Employer contribution / active EE | $3,380 | $3,554-4.9% | $4,815-29.8% | $2,545+32.8% |
| Participant deferral / active EE | $8,765 | $6,783+29.2% | $7,448+17.7% | $4,238+106.8% |
| Admin fee / account holder | $8,889 | $685+1197.6% | $10,007-11.2% | $594+1397.7% |