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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 | $102,879 | $62,393+64.9% | $120,580-14.7% | $74,478+38.1% |
| Participation rate | 57.9% | 56.8%+1.1pp | 72.0%-14.1pp | 67.2%-9.3pp |
| Annual return | 13.02% | 18.61%-5.6pp | 107.48%-94.5pp | 1370.56%-1357.5pp |
| Employer contribution / active EE | $1,766 | $1,845-4.2% | $3,469-49.1% | $2,626-32.7% |
| Participant deferral / active EE | $3,339 | $2,886+15.7% | $4,995-33.2% | $4,350-23.2% |
| Admin fee / account holder | $3,157 | $2,396+31.7% | $9,418-66.5% | $1,946+62.2% |