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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 | $197,400 | $60,442+226.6% | $96,754+104.0% | $87,485+125.6% |
| Participation rate | 69.0% | 58.7%+10.3pp | 70.3%-1.2pp | 68.9%+0.1pp |
| Annual return | 698.38% | 21.97%+676.4pp | 82.04%+616.3pp | 26.06%+672.3pp |
| Employer contribution / active EE | $3,468 | $1,691+105.1% | $2,679+29.4% | $2,596+33.6% |
| Participant deferral / active EE | $8,129 | $3,280+147.8% | $4,758+70.8% | $4,274+90.2% |
| Admin fee / account holder | $11,244 | $5,069+121.8% | $8,905+26.3% | $7,775+44.6% |