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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 | $27,917 | $103,966-73.1% | $112,899-75.3% | $75,173-62.9% |
| Participation rate | 69.2% | 75.7%-6.4pp | 80.5%-11.3pp | 67.2%+2.0pp |
| Annual return | 23.98% | 24.54%-0.6pp | 34.11%-10.1pp | 160.72%-136.7pp |
| Employer contribution / active EE | $796 | $3,870-79.4% | $4,566-82.6% | $2,671-70.2% |
| Participant deferral / active EE | $2,370 | $5,456-56.6% | $6,516-63.6% | $4,126-42.6% |
| Admin fee / account holder | $1,174 | $7,663-84.7% | $7,047-83.3% | $5,651-79.2% |