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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 | $102,393 | $89,241+14.7% | $134,172-23.7% | $79,634+28.6% |
| Participation rate | 22.3% | 47.1%-24.8pp | 72.5%-50.2pp | 62.5%-40.2pp |
| Annual return | 15.72% | 16.69%-1.0pp | 25.30%-9.6pp | 36.46%-20.7pp |
| Employer contribution / active EE | $709 | $1,634-56.6% | $3,420-79.3% | $2,529-72.0% |
| Participant deferral / active EE | $1,537 | $2,288-32.8% | $4,690-67.2% | $3,835-59.9% |
| Admin fee / account holder | $2,562 | $1,359+88.6% | $12,016-78.7% | $1,002+155.7% |