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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 | $83,643 | $86,298-3.1% | $111,308-24.9% | $85,847-2.6% |
| Participation rate | 56.1% | 73.3%-17.2pp | 77.3%-21.2pp | 69.3%-13.2pp |
| Annual return | 14.39% | 19.99%-5.6pp | 54.67%-40.3pp | 318.61%-304.2pp |
| Employer contribution / active EE | $510 | $2,044-75.0% | $2,732-81.3% | $2,565-80.1% |
| Participant deferral / active EE | $4,930 | $3,641+35.4% | $4,487+9.9% | $3,952+24.7% |
| Admin fee / account holder | $5,710 | $8,189-30.3% | $7,965-28.3% | $6,261-8.8% |