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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 | $38,356 | $55,446-30.8% | $155,574-75.3% | $74,429-48.5% |
| Participation rate | 43.9% | 61.9%-18.0pp | 78.2%-34.3pp | 67.2%-23.3pp |
| Annual return | 15.22% | 269.20%-254.0pp | 64.87%-49.6pp | 1368.38%-1353.2pp |
| Employer contribution / active EE | $1,371 | $2,266-39.5% | $4,676-70.7% | $2,625-47.8% |
| Participant deferral / active EE | $2,084 | $2,836-26.5% | $5,629-63.0% | $4,348-52.1% |
| Admin fee / account holder | $512 | $1,743-70.7% | $15,914-96.8% | $1,944-73.7% |