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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 | $59,803 | $81,334-26.5% | $113,397-47.3% | $64,097-6.7% |
| Participation rate | 56.5% | 65.6%-9.1pp | 76.5%-20.0pp | 55.2%+1.3pp |
| Annual return | 20.63% | 32.50%-11.9pp | 23.20%-2.6pp | 34.64%-14.0pp |
| Employer contribution / active EE | $1,758 | $2,077-15.3% | $2,977-41.0% | $1,891-7.1% |
| Participant deferral / active EE | $3,093 | $3,795-18.5% | $5,076-39.1% | $3,080+0.4% |
| Admin fee / account holder | $10,102 | $4,208+140.1% | $11,957-15.5% | $3,454+192.4% |