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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.)
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $78,627 | $73,988+6.3% | $96,538-18.6% | $75,177+4.6% |
| Participation rate | 26.2% | 66.4%-40.3pp | 74.3%-48.2pp | 67.2%-41.1pp |
| Annual return | 16.39% | 26.73%-10.3pp | 35.74%-19.3pp | 160.75%-144.4pp |
| Employer contribution / active EE | $463 | $2,930-84.2% | $3,740-87.6% | $2,671-82.7% |
| Participant deferral / active EE | $1,854 | $3,660-49.3% | $4,880-62.0% | $4,126-55.1% |
| Admin fee / account holder | $4,430 | $5,220-15.1% | $6,737-34.2% | $5,651-21.6% |