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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 | $67,596 | $78,607-14.0% | $105,624-36.0% | $74,478-9.2% |
| Participation rate | 58.2% | 72.8%-14.6pp | 75.3%-17.0pp | 67.2%-9.0pp |
| Annual return | 16.56% | 15.96%+0.6pp | 116.20%-99.6pp | 1370.56%-1354.0pp |
| Employer contribution / active EE | $903 | $2,523-64.2% | $3,168-71.5% | $2,626-65.6% |
| Participant deferral / active EE | $2,126 | $4,325-50.8% | $5,013-57.6% | $4,350-51.1% |
| Admin fee / account holder | $2,785 | $2,220+25.5% | $10,961-74.6% | $1,946+43.1% |