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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 | $72,284 | $88,360-18.2% | $145,433-50.3% | $67,986+6.3% |
| Participation rate | 55.1% | 65.5%-10.4pp | 82.1%-27.0pp | 57.2%-2.1pp |
| Annual return | 17.26% | 63.15%-45.9pp | 66.58%-49.3pp | 31.67%-14.4pp |
| Employer contribution / active EE | $2,657 | $3,054-13.0% | $4,554-41.7% | $2,019+31.6% |
| Participant deferral / active EE | $4,680 | $5,932-21.1% | $7,897-40.7% | $3,358+39.4% |
| Admin fee / account holder | $1,782 | $3,313-46.2% | $13,129-86.4% | $3,203-44.4% |