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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 | $83,076 | $124,425-33.2% | $112,040-25.9% | $137,256-39.5% |
| Participation rate | 64.3% | 79.3%-15.0pp | 76.5%-12.2pp | 80.0%-15.7pp |
| Annual return | 14.15% | 24.72%-10.6pp | 24.52%-10.4pp | 220.34%-206.2pp |
| Employer contribution / active EE | $78 | $3,411-97.7% | $2,954-97.4% | $4,156-98.1% |
| Participant deferral / active EE | $8,130 | $5,718+42.2% | $5,098+59.5% | $6,407+26.9% |
| Admin fee / account holder | $667 | $15,207-95.6% | $12,098-94.5% | $12,270-94.6% |