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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
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 | $22,986 | $76,112-69.8% | $96,544-76.2% | $71,529-67.9% |
| Participation rate | 65.3% | 74.4%-9.1pp | 76.0%-10.7pp | 67.9%-2.7pp |
| Annual return | 18.15% | 22.80%-4.7pp | 25.88%-7.7pp | 28.97%-10.8pp |
| Employer contribution / active EE | $411 | $2,248-81.7% | $2,966-86.1% | $2,590-84.1% |
| Participant deferral / active EE | $2,964 | $4,217-29.7% | $4,851-38.9% | $4,291-30.9% |
| Admin fee / account holder | $2,775 | $2,708+2.5% | $8,254-66.4% | $1,588+74.7% |