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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 | $51,242 | $80,753-36.5% | $136,298-62.4% | $62,293-17.7% |
| Participation rate | 64.3% | 73.5%-9.3pp | 81.9%-17.6pp | 69.5%-5.2pp |
| Annual return | 50.26% | 35.83%+14.4pp | 5156.27%-5106.0pp | 28.90%+21.4pp |
| Employer contribution / active EE | $1,246 | $2,884-56.8% | $4,696-73.5% | $2,042-39.0% |
| Participant deferral / active EE | $2,375 | $5,164-54.0% | $6,247-62.0% | $3,169-25.1% |
| Admin fee / account holder | $676 | $525+28.7% | $9,244-92.7% | $479+41.1% |