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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 | $52,331 | $79,181-33.9% | $102,423-48.9% | $74,429-29.7% |
| Participation rate | 45.5% | 74.8%-29.3pp | 76.5%-31.0pp | 67.2%-21.8pp |
| Annual return | 12.96% | 54.97%-42.0pp | 29.42%-16.5pp | 1368.38%-1355.4pp |
| Employer contribution / active EE | $1,333 | $2,362-43.6% | $3,023-55.9% | $2,625-49.2% |
| Participant deferral / active EE | $2,716 | $4,416-38.5% | $5,054-46.3% | $4,348-37.5% |
| Admin fee / account holder | $5,110 | $2,002+155.3% | $9,455-46.0% | $1,944+162.8% |