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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 | $92,084 | $101,672-9.4% | $147,117-37.4% | $74,478+23.6% |
| Participation rate | 45.7% | 75.5%-29.8pp | 82.2%-36.5pp | 67.2%-21.5pp |
| Annual return | 31.42% | 8757.83%-8726.4pp | 420.54%-389.1pp | 1370.56%-1339.1pp |
| Employer contribution / active EE | $2,020 | $3,813-47.0% | $4,932-59.1% | $2,626-23.1% |
| Participant deferral / active EE | $5,673 | $7,305-22.3% | $8,065-29.7% | $4,350+30.4% |
| Admin fee / account holder | $3,500 | $1,753+99.6% | $12,993-73.1% | $1,946+79.9% |