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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 | $45,109-14.8% | $85,240-54.9% | $77,762-50.6% |
| Participation rate | 37.0% | 48.7%-11.6pp | 67.5%-30.5pp | 70.6%-33.6pp |
| Annual return | 36.71% | 79.55%-42.8pp | 66.75%-30.0pp | 31.27%+5.4pp |
| Employer contribution / active EE | $537 | $1,602-66.4% | $2,735-80.4% | $2,728-80.3% |
| Participant deferral / active EE | $3,553 | $2,814+26.3% | $4,527-21.5% | $4,651-23.6% |
| Admin fee / account holder | $2,663 | $915+191.0% | $6,165-56.8% | $433+515.1% |