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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 | $67,670 | $93,345-27.5% | $119,126-43.2% | $87,485-22.6% |
| Participation rate | 42.4% | 68.7%-26.3pp | 75.8%-33.3pp | 68.9%-26.5pp |
| Annual return | 24.83% | 19.08%+5.8pp | 282.11%-257.3pp | 26.06%-1.2pp |
| Employer contribution / active EE | $813 | $3,172-74.4% | $4,034-79.8% | $2,596-68.7% |
| Participant deferral / active EE | $5,436 | $4,099+32.6% | $5,318+2.2% | $4,274+27.2% |
| Admin fee / account holder | $10,490 | $8,039+30.5% | $10,693-1.9% | $7,775+34.9% |