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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 | $44,980-14.2% | $85,063-54.6% | $77,692-50.3% |
| Participation rate | 30.2% | 48.6%-18.4pp | 67.5%-37.3pp | 70.6%-40.3pp |
| Annual return | 24.57% | 79.13%-54.6pp | 66.54%-42.0pp | 31.25%-6.7pp |
| Employer contribution / active EE | $682 | $1,607-57.6% | $2,727-75.0% | $2,726-75.0% |
| Participant deferral / active EE | $1,428 | $2,804-49.1% | $4,523-68.4% | $4,648-69.3% |
| Admin fee / account holder | $3,408 | $911+274.0% | $6,155-44.6% | $431+691.7% |