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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 | $62,986 | $55,437+13.6% | $155,534-59.5% | $74,459-15.4% |
| Participation rate | 0.0% | 61.9%-61.9pp | 78.2%-78.2pp | 67.2%-67.2pp |
| Annual return | 12.77% | 269.58%-256.8pp | 64.92%-52.2pp | 1369.70%-1356.9pp |
| Employer contribution / active EE | $593 | $2,266-73.8% | $4,675-87.3% | $2,626-77.4% |
| Participant deferral / active EE | $3,339 | $2,837+17.7% | $5,630-40.7% | $4,350-23.2% |
| Admin fee / account holder | $3,931 | $1,742+125.6% | $15,900-75.3% | $1,945+102.1% |