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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 | $50,860-7.7% | $155,574-69.8% | $77,714-39.6% |
| Participation rate | 39.5% | 63.1%-23.6pp | 78.2%-38.7pp | 70.6%-31.1pp |
| Annual return | 19.19% | 34.86%-15.7pp | 64.87%-45.7pp | 31.26%-12.1pp |
| Employer contribution / active EE | $1,094 | $1,991-45.1% | $4,676-76.6% | $2,727-59.9% |
| Participant deferral / active EE | $2,758 | $2,825-2.4% | $5,629-51.0% | $4,649-40.7% |
| Admin fee / account holder | $7,541 | $436+1627.7% | $15,914-52.6% | $433+1640.5% |