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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 | $39,787 | $45,343-12.3% | $150,298-73.5% | $67,986-41.5% |
| Participation rate | 61.5% | 51.9%+9.7pp | 77.8%-16.2pp | 57.2%+4.3pp |
| Annual return | 26.51% | 33.28%-6.8pp | 62.79%-36.3pp | 31.67%-5.2pp |
| Employer contribution / active EE | $1,005 | $1,462-31.2% | $4,154-75.8% | $2,019-50.2% |
| Participant deferral / active EE | $3,983 | $2,055+93.9% | $5,453-27.0% | $3,358+18.6% |
| Admin fee / account holder | $1,473 | $2,250-34.5% | $14,116-89.6% | $3,203-54.0% |