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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 | $69,281 | $136,307-49.2% | $177,848-61.0% | $73,497-5.7% |
| Participation rate | 59.0% | 86.1%-27.1pp | 87.7%-28.7pp | 70.7%-11.7pp |
| Annual return | 26.44% | 18.68%+7.8pp | 48.33%-21.9pp | 28.51%-2.1pp |
| Employer contribution / active EE | $2,097 | $3,712-43.5% | $5,919-64.6% | $2,270-7.6% |
| Participant deferral / active EE | $6,152 | $5,829+5.5% | $7,714-20.3% | $3,740+64.5% |
| Admin fee / account holder | $4,153 | $596+597.4% | $12,431-66.6% | $513+709.5% |