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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 | $35,621 | $71,523-50.2% | $98,461-63.8% | $71,511-50.2% |
| Participation rate | 50.6% | 72.7%-22.1pp | 75.2%-24.6pp | 67.9%-17.3pp |
| Annual return | 17.23% | 32.43%-15.2pp | 21.17%-3.9pp | 28.86%-11.6pp |
| Employer contribution / active EE | $725 | $2,399-69.8% | $3,049-76.2% | $2,589-72.0% |
| Participant deferral / active EE | $2,004 | $4,109-51.2% | $4,738-57.7% | $4,291-53.3% |
| Admin fee / account holder | $2,517 | $1,676+50.2% | $8,961-71.9% | $1,588+58.4% |