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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 | $54,806 | $75,058-27.0% | $152,301-64.0% | $64,340-14.8% |
| Participation rate | 65.2% | 60.9%+4.3pp | 82.4%-17.2pp | 55.2%+10.0pp |
| Annual return | 34.31% | 29.93%+4.4pp | 80.50%-46.2pp | 24.14%+10.2pp |
| Employer contribution / active EE | $1,558 | $2,605-40.2% | $4,624-66.3% | $1,862-16.3% |
| Participant deferral / active EE | $4,809 | $5,041-4.6% | $8,004-39.9% | $2,980+61.4% |
| Admin fee / account holder | $1,660 | $4,050-59.0% | $14,398-88.5% | $3,703-55.2% |