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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 | $47,487 | $99,957-52.5% | $149,730-68.3% | $73,493-35.4% |
| Participation rate | 69.6% | 75.7%-6.1pp | 82.5%-12.9pp | 70.7%-1.1pp |
| Annual return | 26.46% | 53.87%-27.4pp | 276.70%-250.2pp | 28.51%-2.1pp |
| Employer contribution / active EE | $1,655 | $3,191-48.1% | $4,645-64.4% | $2,270-27.1% |
| Participant deferral / active EE | $5,982 | $6,073-1.5% | $6,843-12.6% | $3,740+59.9% |
| Admin fee / account holder | $2,954 | $551+436.3% | $9,310-68.3% | $513+475.7% |