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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 | $77,670-25.6% | $125,529-54.0% | $65,306-11.5% |
| Participation rate | 49.7% | 63.2%-13.5pp | 74.7%-25.1pp | 57.7%-8.0pp |
| Annual return | 15.07% | 15.16%-0.1pp | 202.56%-187.5pp | 21.94%-6.9pp |
| Employer contribution / active EE | $2,620 | $2,099+24.8% | $3,058-14.3% | $1,967+33.2% |
| Participant deferral / active EE | $4,104 | $3,095+32.6% | $4,813-14.7% | $2,959+38.7% |
| Admin fee / account holder | $22,401 | $3,598+522.6% | $16,298+37.4% | $3,480+543.7% |