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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 | $57,802 | $76,383-24.3% | $121,663-52.5% | $64,340-10.2% |
| Participation rate | 49.7% | 60.4%-10.8pp | 74.5%-24.8pp | 55.2%-5.6pp |
| Annual return | 15.07% | 16.98%-1.9pp | 147.54%-132.5pp | 24.14%-9.1pp |
| Employer contribution / active EE | $2,620 | $1,943+34.9% | $3,020-13.2% | $1,862+40.7% |
| Participant deferral / active EE | $4,104 | $3,149+30.3% | $4,887-16.0% | $2,980+37.7% |
| Admin fee / account holder | $22,401 | $4,142+440.9% | $14,289+56.8% | $3,703+505.0% |