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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 | $162,339 | $80,748+101.0% | $102,383+58.6% | $74,429+118.1% |
| Participation rate | 63.3% | 65.7%-2.4pp | 74.5%-11.2pp | 67.2%-3.9pp |
| Annual return | 28.19% | 27.57%+0.6pp | 24.94%+3.3pp | 1368.38%-1340.2pp |
| Employer contribution / active EE | $3,138 | $3,159-0.7% | $3,870-18.9% | $2,625+19.6% |
| Participant deferral / active EE | $4,244 | $3,861+9.9% | $5,060-16.1% | $4,348-2.4% |
| Admin fee / account holder | $3,706 | $2,371+56.3% | $8,391-55.8% | $1,944+90.6% |