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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 | $92,171 | $88,203+4.5% | $165,100-44.2% | $74,478+23.8% |
| Participation rate | 46.5% | 73.1%-26.6pp | 78.6%-32.1pp | 67.2%-20.7pp |
| Annual return | 18.98% | 17.13%+1.8pp | 70.21%-51.2pp | 1370.56%-1351.6pp |
| Employer contribution / active EE | $1,685 | $2,601-35.2% | $4,348-61.2% | $2,626-35.8% |
| Participant deferral / active EE | $3,138 | $4,505-30.3% | $6,035-48.0% | $4,350-27.9% |
| Admin fee / account holder | $5,742 | $2,235+156.9% | $12,696-54.8% | $1,946+195.1% |