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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 | $32,493 | $61,166-46.9% | $185,849-82.5% | $79,391-59.1% |
| Participation rate | 65.9% | 66.6%-0.7pp | 81.7%-15.8pp | 70.7%-4.8pp |
| Annual return | 17.20% | 19.45%-2.2pp | 122.10%-104.9pp | 116.88%-99.7pp |
| Employer contribution / active EE | $1,322 | $2,321-43.1% | $5,169-74.4% | $2,428-45.6% |
| Participant deferral / active EE | $2,676 | $2,789-4.0% | $5,569-51.9% | $4,046-33.8% |
| Admin fee / account holder | $647 | $710-8.8% | $16,244-96.0% | $627+3.3% |