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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 | $44,741 | $80,781-44.6% | $102,437-56.3% | $74,478-39.9% |
| Participation rate | 44.5% | 65.7%-21.2pp | 74.5%-30.0pp | 67.2%-22.7pp |
| Annual return | 87.76% | 27.58%+60.2pp | 24.95%+62.8pp | 1370.56%-1282.8pp |
| Employer contribution / active EE | $1,515 | $3,160-52.0% | $3,871-60.9% | $2,626-42.3% |
| Participant deferral / active EE | $2,435 | $3,862-37.0% | $5,060-51.9% | $4,350-44.0% |
| Admin fee / account holder | $3,416 | $2,372+44.0% | $8,388-59.3% | $1,946+75.5% |