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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 | $59,467-17.8% | $93,727-47.8% | $74,478-34.3% |
| Participation rate | 38.9% | 59.6%-20.8pp | 68.7%-29.8pp | 67.2%-28.4pp |
| Annual return | 14.37% | 82.14%-67.8pp | 133.83%-119.5pp | 1370.56%-1356.2pp |
| Employer contribution / active EE | $1,133 | $1,267-10.5% | $2,421-53.2% | $2,626-56.8% |
| Participant deferral / active EE | $2,015 | $3,052-34.0% | $4,417-54.4% | $4,350-53.7% |
| Admin fee / account holder | $11,593 | $3,028+282.8% | $8,292+39.8% | $1,946+495.8% |