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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 | $100,085 | $55,932+78.9% | $76,735+30.4% | $67,986+47.2% |
| Participation rate | 44.9% | 50.8%-5.9pp | 69.5%-24.6pp | 57.2%-12.3pp |
| Annual return | 16.16% | 23.10%-6.9pp | 29.77%-13.6pp | 31.67%-15.5pp |
| Employer contribution / active EE | $5,846 | $1,487+293.2% | $2,454+138.2% | $2,019+189.6% |
| Participant deferral / active EE | $1,105 | $2,558-56.8% | $4,088-73.0% | $3,358-67.1% |
| Admin fee / account holder | $643 | $4,907-86.9% | $7,189-91.1% | $3,203-79.9% |