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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 | $43,496-8.5% | $161,489-75.4% | $64,340-38.2% |
| Participation rate | 61.5% | 53.5%+8.0pp | 78.7%-17.2pp | 55.2%+6.3pp |
| Annual return | 26.51% | 20.76%+5.8pp | 89.72%-63.2pp | 24.14%+2.4pp |
| Employer contribution / active EE | $1,005 | $1,431-29.7% | $4,268-76.4% | $1,862-46.0% |
| Participant deferral / active EE | $3,983 | $1,996+99.6% | $5,630-29.3% | $2,980+33.6% |
| Admin fee / account holder | $1,473 | $2,330-36.8% | $16,006-90.8% | $3,703-60.2% |