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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 | $46,945 | $50,919-7.8% | $155,556-69.8% | $77,762-39.6% |
| Participation rate | 39.5% | 63.1%-23.6pp | 78.2%-38.7pp | 70.6%-31.1pp |
| Annual return | 19.19% | 34.84%-15.6pp | 64.84%-45.6pp | 31.27%-12.1pp |
| Employer contribution / active EE | $1,094 | $1,991-45.1% | $4,675-76.6% | $2,728-59.9% |
| Participant deferral / active EE | $2,758 | $2,824-2.4% | $5,631-51.0% | $4,651-40.7% |
| Admin fee / account holder | $7,541 | $437+1626.6% | $15,885-52.5% | $433+1641.9% |