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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 | $49,950 | $93,598-46.6% | $135,974-63.3% | $75,173-33.6% |
| Participation rate | 60.2% | 75.2%-15.0pp | 81.9%-21.7pp | 67.2%-7.0pp |
| Annual return | 38.54% | 30.89%+7.7pp | 68.30%-29.8pp | 160.72%-122.2pp |
| Employer contribution / active EE | $2,548 | $3,538-28.0% | $4,859-47.6% | $2,671-4.6% |
| Participant deferral / active EE | $5,673 | $6,405-11.4% | $7,760-26.9% | $4,126+37.5% |
| Admin fee / account holder | $1,384 | $6,978-80.2% | $10,767-87.1% | $5,651-75.5% |