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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 | $108,469 | $41,151+163.6% | $80,648+34.5% | $71,529+51.6% |
| Participation rate | 41.7% | 50.2%-8.6pp | 67.0%-25.3pp | 67.9%-26.3pp |
| Annual return | 26.07% | 38.49%-12.4pp | 937.21%-911.1pp | 28.97%-2.9pp |
| Employer contribution / active EE | $1,817 | $1,513+20.1% | $2,724-33.3% | $2,590-29.9% |
| Participant deferral / active EE | $5,426 | $2,700+100.9% | $4,443+22.1% | $4,291+26.4% |
| Admin fee / account holder | $2,049 | $1,842+11.2% | $5,382-61.9% | $1,588+29.0% |