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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 | $22,708 | $28,601-20.6% | $71,778-68.4% | $66,949-66.1% |
| Participation rate | 63.8% | 56.7%+7.2pp | 62.3%+1.5pp | 69.8%-6.0pp |
| Annual return | -13.05% | -10.90%-2.2pp | 9.15%-22.2pp | 1.57%-14.6pp |
| Employer contribution / active EE | $1,679 | $1,104+52.1% | $1,704-1.5% | $2,545-34.0% |
| Participant deferral / active EE | $3,081 | $1,912+61.1% | $2,656+16.0% | $4,239-27.3% |
| Admin fee / account holder | $6,334 | $506+1151.1% | $3,974+59.4% | $594+967.1% |