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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 | $65,202 | $59,448+9.7% | $93,696-30.4% | $74,459-12.4% |
| Participation rate | 63.8% | 59.6%+4.1pp | 68.7%-4.9pp | 67.2%-3.4pp |
| Annual return | 16.24% | 82.11%-65.9pp | 133.74%-117.5pp | 1369.70%-1353.5pp |
| Employer contribution / active EE | $734 | $1,266-42.0% | $2,422-69.7% | $2,626-72.0% |
| Participant deferral / active EE | $3,952 | $3,052+29.5% | $4,417-10.5% | $4,350-9.1% |
| Admin fee / account holder | $2,912 | $3,027-3.8% | $8,287-64.9% | $1,945+49.7% |