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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 | $101,653-9.4% | $147,080-37.4% | $74,459+23.7% |
| Participation rate | 45.7% | 75.6%-29.8pp | 82.2%-36.5pp | 67.2%-21.5pp |
| Annual return | 31.42% | 8754.98%-8723.6pp | 420.17%-388.8pp | 1369.70%-1338.3pp |
| Employer contribution / active EE | $2,020 | $3,813-47.0% | $4,933-59.1% | $2,626-23.1% |
| Participant deferral / active EE | $5,673 | $7,304-22.3% | $8,066-29.7% | $4,350+30.4% |
| Admin fee / account holder | $3,500 | $1,752+99.8% | $12,989-73.1% | $1,945+80.0% |