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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 | $75,132 | $73,532+2.2% | $178,505-57.9% | $74,478+0.9% |
| Participation rate | 63.4% | 66.6%-3.2pp | 77.1%-13.7pp | 67.2%-3.8pp |
| Annual return | 14.86% | 17.49%-2.6pp | 27.16%-12.3pp | 1370.56%-1355.7pp |
| Employer contribution / active EE | $1,768 | $2,221-20.4% | $3,955-55.3% | $2,626-32.7% |
| Participant deferral / active EE | $4,154 | $4,519-8.1% | $6,280-33.9% | $4,350-4.5% |
| Admin fee / account holder | $3,132 | $1,813+72.8% | $10,428-70.0% | $1,946+61.0% |