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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 | $38,414 | $45,022-14.7% | $85,126-54.9% | $77,714-50.6% |
| Participation rate | 37.0% | 48.7%-11.7pp | 67.5%-30.5pp | 70.6%-33.6pp |
| Annual return | 36.71% | 79.38%-42.7pp | 66.63%-29.9pp | 31.26%+5.5pp |
| Employer contribution / active EE | $537 | $1,610-66.6% | $2,731-80.3% | $2,727-80.3% |
| Participant deferral / active EE | $3,553 | $2,811+26.4% | $4,523-21.5% | $4,649-23.6% |
| Admin fee / account holder | $2,663 | $913+191.6% | $6,160-56.8% | $433+514.6% |