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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 | $113,708 | $80,705+40.9% | $115,768-1.8% | $67,986+67.3% |
| Participation rate | 64.8% | 63.0%+1.8pp | 74.4%-9.6pp | 57.2%+7.6pp |
| Annual return | 20.98% | 18.49%+2.5pp | 100.46%-79.5pp | 31.67%-10.7pp |
| Employer contribution / active EE | $1,570 | $2,046-23.3% | $2,940-46.6% | $2,019-22.2% |
| Participant deferral / active EE | $4,782 | $3,559+34.4% | $4,917-2.7% | $3,358+42.4% |
| Admin fee / account holder | $3,647 | $4,135-11.8% | $12,439-70.7% | $3,203+13.9% |