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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 | $38,580 | $45,022-14.3% | $85,126-54.7% | $77,714-50.4% |
| Participation rate | 30.2% | 48.7%-18.4pp | 67.5%-37.3pp | 70.6%-40.3pp |
| Annual return | 24.57% | 79.38%-54.8pp | 66.63%-42.1pp | 31.26%-6.7pp |
| Employer contribution / active EE | $682 | $1,610-57.6% | $2,731-75.0% | $2,727-75.0% |
| Participant deferral / active EE | $1,428 | $2,811-49.2% | $4,523-68.4% | $4,649-69.3% |
| Admin fee / account holder | $3,408 | $913+273.3% | $6,160-44.7% | $433+686.7% |