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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 | $76,282 | $79,223-3.7% | $102,460-25.5% | $74,478+2.4% |
| Participation rate | 45.0% | 74.8%-29.8pp | 76.5%-31.5pp | 67.2%-22.2pp |
| Annual return | 14.88% | 54.98%-40.1pp | 29.47%-14.6pp | 1370.56%-1355.7pp |
| Employer contribution / active EE | $1,266 | $2,363-46.4% | $3,025-58.2% | $2,626-51.8% |
| Participant deferral / active EE | $2,209 | $4,417-50.0% | $5,056-56.3% | $4,350-49.2% |
| Admin fee / account holder | $2,997 | $2,003+49.6% | $9,460-68.3% | $1,946+54.0% |