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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 | $24,659 | $41,150-40.1% | $80,627-69.4% | $71,511-65.5% |
| Participation rate | 64.4% | 50.3%+14.1pp | 67.0%-2.6pp | 67.9%-3.6pp |
| Annual return | 26.68% | 38.48%-11.8pp | 936.76%-910.1pp | 28.86%-2.2pp |
| Employer contribution / active EE | $1,006 | $1,515-33.6% | $2,723-63.0% | $2,589-61.1% |
| Participant deferral / active EE | $4,898 | $2,701+81.3% | $4,443+10.2% | $4,291+14.2% |
| Admin fee / account holder | $1,822 | $1,841-1.0% | $5,381-66.1% | $1,588+14.7% |