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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 | $207,340 | $55,437+274.0% | $155,534+33.3% | $74,459+178.5% |
| Participation rate | 51.5% | 61.9%-10.4pp | 78.2%-26.7pp | 67.2%-15.7pp |
| Annual return | 13.58% | 269.58%-256.0pp | 64.92%-51.3pp | 1369.70%-1356.1pp |
| Employer contribution / active EE | $2,003 | $2,266-11.6% | $4,675-57.2% | $2,626-23.7% |
| Participant deferral / active EE | $3,029 | $2,837+6.8% | $5,630-46.2% | $4,350-30.4% |
| Admin fee / account holder | $3,944 | $1,742+126.3% | $15,900-75.2% | $1,945+102.8% |