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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 | $43,497 | $78,607-44.7% | $105,624-58.8% | $74,478-41.6% |
| Participation rate | 29.8% | 72.8%-43.0pp | 75.3%-45.5pp | 67.2%-37.5pp |
| Annual return | 15.12% | 15.96%-0.8pp | 116.20%-101.1pp | 1370.56%-1355.4pp |
| Employer contribution / active EE | $2,362 | $2,523-6.4% | $3,168-25.4% | $2,626-10.1% |
| Participant deferral / active EE | $3,591 | $4,325-17.0% | $5,013-28.4% | $4,350-17.4% |
| Admin fee / account holder | $2,323 | $2,220+4.7% | $10,961-78.8% | $1,946+19.4% |