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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 | $229,612 | $48,432+374.1% | $121,210+89.4% | $71,529+221.0% |
| Participation rate | 69.8% | 54.3%+15.5pp | 69.5%+0.3pp | 67.9%+1.9pp |
| Annual return | 366.90% | 23.28%+343.6pp | 987.41%-620.5pp | 28.97%+337.9pp |
| Employer contribution / active EE | $635 | $1,493-57.5% | $4,171-84.8% | $2,590-75.5% |
| Participant deferral / active EE | $8,701 | $2,756+215.7% | $4,084+113.1% | $4,291+102.8% |
| Admin fee / account holder | $5,167 | $1,845+180.1% | $5,647-8.5% | $1,588+225.3% |