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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 | $25,477 | $73,102-65.1% | $123,552-79.4% | $56,287-54.7% |
| Participation rate | 65.5% | 74.3%-8.9pp | 82.3%-16.8pp | 69.9%-4.4pp |
| Annual return | 35.45% | 3.01%+32.4pp | 119.20%-83.8pp | -9.96%+45.4pp |
| Employer contribution / active EE | $1,963 | $2,977-34.1% | $4,628-57.6% | $2,111-7.0% |
| Participant deferral / active EE | $3,886 | $5,423-28.3% | $6,426-39.5% | $3,350+16.0% |
| Admin fee / account holder | $1,430 | $554+158.3% | $9,285-84.6% | $521+174.5% |