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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 | $55,423+274.1% | $155,602+33.3% | $74,400+178.7% |
| Participation rate | 51.5% | 61.9%-10.4pp | 78.2%-26.7pp | 67.2%-15.7pp |
| Annual return | 13.58% | 269.07%-255.5pp | 64.81%-51.2pp | 1367.51%-1353.9pp |
| Employer contribution / active EE | $2,003 | $2,266-11.6% | $4,675-57.2% | $2,624-23.7% |
| Participant deferral / active EE | $3,029 | $2,835+6.9% | $5,629-46.2% | $4,348-30.3% |
| Admin fee / account holder | $3,944 | $1,744+126.1% | $15,923-75.2% | $1,944+102.9% |