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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 | $88,360-38.0% | $145,433-62.3% | $67,986-19.4% |
| Participation rate | 65.2% | 65.5%-0.3pp | 82.1%-16.9pp | 57.2%+8.0pp |
| Annual return | 34.31% | 63.15%-28.8pp | 66.58%-32.3pp | 31.67%+2.6pp |
| Employer contribution / active EE | $1,558 | $3,054-49.0% | $4,554-65.8% | $2,019-22.8% |
| Participant deferral / active EE | $4,809 | $5,932-18.9% | $7,897-39.1% | $3,358+43.2% |
| Admin fee / account holder | $1,660 | $3,313-49.9% | $13,129-87.4% | $3,203-48.2% |