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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 | $69,047 | $112,596-38.7% | $152,301-54.7% | $64,728+6.7% |
| Participation rate | 33.3% | 63.6%-30.3pp | 82.4%-49.1pp | 57.9%-24.6pp |
| Annual return | 40.82% | 23.76%+17.1pp | 80.50%-39.7pp | 49.38%-8.6pp |
| Employer contribution / active EE | $1,741 | $3,716-53.1% | $4,624-62.3% | $2,243-22.3% |
| Participant deferral / active EE | $3,871 | $6,075-36.3% | $8,004-51.6% | $2,729+41.8% |
| Admin fee / account holder | $3,460 | $996+247.3% | $14,398-76.0% | $1,145+202.2% |