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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 | $38,818 | $75,058-48.3% | $152,301-74.5% | $64,340-39.7% |
| Participation rate | 47.3% | 60.9%-13.6pp | 82.4%-35.2pp | 55.2%-8.0pp |
| Annual return | 17.12% | 29.93%-12.8pp | 80.50%-63.4pp | 24.14%-7.0pp |
| Employer contribution / active EE | $1,729 | $2,605-33.6% | $4,624-62.6% | $1,862-7.1% |
| Participant deferral / active EE | $3,247 | $5,041-35.6% | $8,004-59.4% | $2,980+9.0% |
| Admin fee / account holder | $554 | $4,050-86.3% | $14,398-96.2% | $3,703-85.0% |