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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 | $21,112 | $45,109-53.2% | $85,240-75.2% | $77,762-72.9% |
| Participation rate | 16.5% | 48.7%-32.1pp | 67.5%-51.0pp | 70.6%-54.0pp |
| Annual return | 16.12% | 79.55%-63.4pp | 66.75%-50.6pp | 31.27%-15.1pp |
| Employer contribution / active EE | $390 | $1,602-75.6% | $2,735-85.7% | $2,728-85.7% |
| Participant deferral / active EE | $551 | $2,814-80.4% | $4,527-87.8% | $4,651-88.2% |
| Admin fee / account holder | $797 | $915-12.8% | $6,165-87.1% | $433+84.2% |