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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 | $44,980-14.6% | $85,063-54.8% | $77,692-50.6% |
| Participation rate | 37.0% | 48.6%-11.6pp | 67.5%-30.5pp | 70.6%-33.6pp |
| Annual return | 36.71% | 79.13%-42.4pp | 66.54%-29.8pp | 31.25%+5.5pp |
| Employer contribution / active EE | $537 | $1,607-66.6% | $2,727-80.3% | $2,726-80.3% |
| Participant deferral / active EE | $3,553 | $2,804+26.7% | $4,523-21.4% | $4,648-23.6% |
| Admin fee / account holder | $2,663 | $911+192.2% | $6,155-56.7% | $431+518.5% |