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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 | $69,323 | $101,591-31.8% | $147,096-52.9% | $74,429-6.9% |
| Participation rate | 47.2% | 75.5%-28.3pp | 82.2%-35.0pp | 67.2%-20.0pp |
| Annual return | 44.82% | 8746.45%-8701.6pp | 419.75%-374.9pp | 1368.38%-1323.6pp |
| Employer contribution / active EE | $1,854 | $3,813-51.4% | $4,936-62.4% | $2,625-29.4% |
| Participant deferral / active EE | $4,914 | $7,302-32.7% | $8,071-39.1% | $4,348+13.0% |
| Admin fee / account holder | $1,950 | $1,750+11.4% | $13,005-85.0% | $1,944+0.3% |