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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 | $48,050+129.3% | $96,754+13.9% | $64,340+71.3% |
| Participation rate | 21.9% | 40.6%-18.6pp | 70.3%-48.3pp | 55.2%-33.3pp |
| Annual return | 15.97% | 23.41%-7.4pp | 82.04%-66.1pp | 24.14%-8.2pp |
| Employer contribution / active EE | $1,022 | $1,204-15.1% | $2,679-61.9% | $1,862-45.1% |
| Participant deferral / active EE | $1,813 | $2,191-17.3% | $4,758-61.9% | $2,980-39.2% |
| Admin fee / account holder | $7,783 | $3,741+108.0% | $8,905-12.6% | $3,703+110.2% |