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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 | $79,968 | $80,705-0.9% | $115,768-30.9% | $67,986+17.6% |
| Participation rate | 52.1% | 63.0%-10.8pp | 74.4%-22.3pp | 57.2%-5.1pp |
| Annual return | 15.89% | 18.49%-2.6pp | 100.46%-84.6pp | 31.67%-15.8pp |
| Employer contribution / active EE | $3,000 | $2,046+46.6% | $2,940+2.1% | $2,019+48.6% |
| Participant deferral / active EE | $5,986 | $3,559+68.2% | $4,917+21.7% | $3,358+78.3% |
| Admin fee / account holder | $7,049 | $4,135+70.5% | $12,439-43.3% | $3,203+120.1% |