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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 | $37,401 | $62,409-40.1% | $120,574-69.0% | $74,459-49.8% |
| Participation rate | 60.6% | 56.8%+3.8pp | 71.9%-11.4pp | 67.2%-6.7pp |
| Annual return | 30.66% | 18.62%+12.0pp | 107.42%-76.8pp | 1369.70%-1339.0pp |
| Employer contribution / active EE | $1,628 | $1,847-11.9% | $3,471-53.1% | $2,626-38.0% |
| Participant deferral / active EE | $3,226 | $2,888+11.7% | $4,996-35.4% | $4,350-25.8% |
| Admin fee / account holder | $2,665 | $2,394+11.3% | $9,445-71.8% | $1,945+37.0% |