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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 | $52,955 | $59,448-10.9% | $93,696-43.5% | $74,459-28.9% |
| Participation rate | 67.8% | 59.6%+8.1pp | 68.7%-1.0pp | 67.2%+0.5pp |
| Annual return | 16.99% | 82.11%-65.1pp | 133.74%-116.8pp | 1369.70%-1352.7pp |
| Employer contribution / active EE | $1,365 | $1,266+7.8% | $2,422-43.6% | $2,626-48.0% |
| Participant deferral / active EE | $2,329 | $3,052-23.7% | $4,417-47.3% | $4,350-46.5% |
| Admin fee / account holder | $3,281 | $3,027+8.4% | $8,287-60.4% | $1,945+68.7% |