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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 | $48,906 | $59,402-17.7% | $93,654-47.8% | $74,546-34.4% |
| Participation rate | 38.9% | 59.7%-20.8pp | 68.7%-29.9pp | 67.2%-28.3pp |
| Annual return | 14.37% | 81.86%-67.5pp | 133.34%-119.0pp | 1366.03%-1351.7pp |
| Employer contribution / active EE | $1,133 | $1,265-10.4% | $2,421-53.2% | $2,624-56.8% |
| Participant deferral / active EE | $2,015 | $3,049-33.9% | $4,413-54.3% | $4,347-53.6% |
| Admin fee / account holder | $11,593 | $3,023+283.5% | $8,282+40.0% | $1,944+496.5% |