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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 | $110,194 | $45,312+143.2% | $86,233+27.8% | $67,986+62.1% |
| Participation rate | 21.9% | 42.4%-20.5pp | 69.0%-47.1pp | 57.2%-35.3pp |
| Annual return | 15.97% | 24.79%-8.8pp | 61.39%-45.4pp | 31.67%-15.7pp |
| Employer contribution / active EE | $1,022 | $1,160-11.9% | $2,504-59.2% | $2,019-49.4% |
| Participant deferral / active EE | $1,813 | $2,185-17.0% | $4,559-60.2% | $3,358-46.0% |
| Admin fee / account holder | $7,783 | $3,295+136.2% | $8,342-6.7% | $3,203+143.0% |