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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 | $78,483-13.9% | $106,201-36.4% | $74,546-9.3% |
| Participation rate | 58.2% | 72.8%-14.6pp | 75.3%-17.1pp | 67.2%-9.0pp |
| Annual return | 16.56% | 15.94%+0.6pp | 116.26%-99.7pp | 1366.03%-1349.5pp |
| Employer contribution / active EE | $903 | $2,522-64.2% | $3,170-71.5% | $2,624-65.6% |
| Participant deferral / active EE | $2,126 | $4,320-50.8% | $5,012-57.6% | $4,347-51.1% |
| Admin fee / account holder | $2,785 | $2,236+24.6% | $11,039-74.8% | $1,944+43.3% |