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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 | $72,274 | $88,360-18.2% | $145,433-50.3% | $67,986+6.3% |
| Participation rate | 69.6% | 65.5%+4.1pp | 82.1%-12.6pp | 57.2%+12.4pp |
| Annual return | 31.19% | 63.15%-32.0pp | 66.58%-35.4pp | 31.67%-0.5pp |
| Employer contribution / active EE | $3,648 | $3,054+19.5% | $4,554-19.9% | $2,019+80.7% |
| Participant deferral / active EE | $8,552 | $5,932+44.2% | $7,897+8.3% | $3,358+154.7% |
| Admin fee / account holder | $6,253 | $3,313+88.7% | $13,129-52.4% | $3,203+95.2% |