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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 | $16,065 | $45,031-64.3% | $85,009-81.1% | $77,671-79.3% |
| Participation rate | 18.8% | 48.7%-29.9pp | 67.5%-48.7pp | 70.6%-51.8pp |
| Annual return | 81.35% | 79.22%+2.1pp | 66.47%+14.9pp | 31.21%+50.1pp |
| Employer contribution / active EE | $437 | $1,609-72.9% | $2,728-84.0% | $2,726-84.0% |
| Participant deferral / active EE | $852 | $2,807-69.7% | $4,522-81.2% | $4,648-81.7% |
| Admin fee / account holder | $1,716 | $912+88.3% | $6,153-72.1% | $430+298.8% |