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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 | $62,409+64.8% | $120,524-14.6% | $74,429+38.2% |
| Participation rate | 57.9% | 56.8%+1.1pp | 71.9%-14.0pp | 67.2%-9.3pp |
| Annual return | 13.02% | 18.62%-5.6pp | 107.36%-94.3pp | 1368.38%-1355.4pp |
| Employer contribution / active EE | $1,766 | $1,847-4.3% | $3,469-49.1% | $2,625-32.7% |
| Participant deferral / active EE | $3,339 | $2,888+15.6% | $4,994-33.1% | $4,348-23.2% |
| Admin fee / account holder | $3,157 | $2,394+31.9% | $9,440-66.6% | $1,944+62.3% |