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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 | $47,907 | $55,470-13.6% | $155,556-69.2% | $74,478-35.7% |
| Participation rate | 46.7% | 61.9%-15.2pp | 78.2%-31.5pp | 67.2%-20.5pp |
| Annual return | 15.10% | 269.80%-254.7pp | 64.84%-49.7pp | 1370.56%-1355.5pp |
| Employer contribution / active EE | $1,610 | $2,267-29.0% | $4,675-65.6% | $2,626-38.7% |
| Participant deferral / active EE | $3,378 | $2,838+19.0% | $5,631-40.0% | $4,350-22.3% |
| Admin fee / account holder | $4,934 | $1,744+182.9% | $15,885-68.9% | $1,946+153.6% |