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 | $19,200 | $40,435-52.5% | $80,669-76.2% | $74,478-74.2% |
| Participation rate | 26.4% | 47.4%-20.9pp | 67.0%-40.6pp | 70.7%-44.3pp |
| Annual return | 226.36% | 165.22%+61.1pp | 937.61%-711.2pp | 34.37%+192.0pp |
| Employer contribution / active EE | $664 | $1,498-55.7% | $2,724-75.6% | $2,637-74.8% |
| Participant deferral / active EE | $1,204 | $2,673-55.0% | $4,444-72.9% | $4,530-73.4% |
| Admin fee / account holder | $342 | $721-52.6% | $5,384-93.7% | $347-1.6% |