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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 | $36,127 | $50,666-28.7% | $76,657-52.9% | $65,185-44.6% |
| Participation rate | 68.2% | 68.8%-0.7pp | 72.1%-3.9pp | 70.2%-2.0pp |
| Annual return | 23.05% | 28.51%-5.5pp | 1166.74%-1143.7pp | 29.38%-6.3pp |
| Employer contribution / active EE | $1,999 | $1,575+26.9% | $2,303-13.2% | $2,177-8.2% |
| Participant deferral / active EE | $1,641 | $2,647-38.0% | $3,335-50.8% | $3,514-53.3% |
| Admin fee / account holder | $6,804 | $463+1369.7% | $6,423+5.9% | $847+703.1% |