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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 | $11,484 | $76,407-85.0% | $150,298-92.4% | $82,448-86.1% |
| Participation rate | 68.2% | 66.4%+1.8pp | 77.8%-9.6pp | 68.1%+0.1pp |
| Annual return | 19.49% | 39.99%-20.5pp | 62.79%-43.3pp | 41.64%-22.1pp |
| Employer contribution / active EE | $658 | $2,614-74.8% | $4,154-84.2% | $2,551-74.2% |
| Participant deferral / active EE | $3,591 | $3,214+11.7% | $5,453-34.1% | $4,139-13.2% |
| Admin fee / account holder | $2,323 | $6,352-63.4% | $14,116-83.5% | $7,234-67.9% |