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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 | $14,188 | $45,126-68.6% | $85,187-83.3% | $74,459-80.9% |
| Participation rate | 58.7% | 49.4%+9.3pp | 67.5%-8.8pp | 67.2%-8.5pp |
| Annual return | 22.69% | 26.30%-3.6pp | 66.67%-44.0pp | 1369.70%-1347.0pp |
| Employer contribution / active EE | $0 | $1,460-100.0% | $2,732-100.0% | $2,626-100.0% |
| Participant deferral / active EE | $3,262 | $2,738+19.1% | $4,525-27.9% | $4,350-25.0% |
| Admin fee / account holder | $451 | $2,212-79.6% | $6,162-92.7% | $1,945-76.8% |