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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 | $75,058-3.7% | $152,301-52.5% | $64,340+12.3% |
| Participation rate | 69.6% | 60.9%+8.7pp | 82.4%-12.9pp | 55.2%+14.3pp |
| Annual return | 31.19% | 29.93%+1.3pp | 80.50%-49.3pp | 24.14%+7.0pp |
| Employer contribution / active EE | $3,648 | $2,605+40.1% | $4,624-21.1% | $1,862+96.0% |
| Participant deferral / active EE | $8,552 | $5,041+69.7% | $8,004+6.9% | $2,980+187.0% |
| Admin fee / account holder | $6,253 | $4,050+54.4% | $14,398-56.6% | $3,703+68.9% |