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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 | $87,465-31.6% | $122,979-51.4% | $65,306-8.4% |
| Participation rate | 56.5% | 66.0%-9.5pp | 77.2%-20.7pp | 57.7%-1.2pp |
| Annual return | 20.63% | 19.76%+0.9pp | 20.12%+0.5pp | 21.94%-1.3pp |
| Employer contribution / active EE | $1,758 | $2,156-18.5% | $3,062-42.6% | $1,967-10.6% |
| Participant deferral / active EE | $3,093 | $3,705-16.5% | $5,003-38.2% | $2,959+4.5% |
| Admin fee / account holder | $10,102 | $5,100+98.1% | $12,864-21.5% | $3,480+190.3% |