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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 | $80,473 | $40,435+99.0% | $80,648-0.2% | $74,473+8.1% |
| Participation rate | 34.5% | 47.4%-12.8pp | 67.0%-32.5pp | 70.7%-36.2pp |
| Annual return | 17.20% | 165.22%-148.0pp | 937.21%-920.0pp | 34.36%-17.2pp |
| Employer contribution / active EE | $1,492 | $1,498-0.4% | $2,724-45.2% | $2,638-43.4% |
| Participant deferral / active EE | $2,726 | $2,673+2.0% | $4,443-38.7% | $4,530-39.8% |
| Admin fee / account holder | $511 | $721-29.1% | $5,382-90.5% | $347+47.3% |