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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 | $79,223-33.9% | $102,460-48.9% | $74,478-29.7% |
| Participation rate | 45.5% | 74.8%-29.3pp | 76.5%-31.1pp | 67.2%-21.8pp |
| Annual return | 12.96% | 54.98%-42.0pp | 29.47%-16.5pp | 1370.56%-1357.6pp |
| Employer contribution / active EE | $1,333 | $2,363-43.6% | $3,025-56.0% | $2,626-49.3% |
| Participant deferral / active EE | $2,716 | $4,417-38.5% | $5,056-46.3% | $4,350-37.6% |
| Admin fee / account holder | $5,110 | $2,003+155.1% | $9,460-46.0% | $1,946+162.6% |