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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 | $168,897 | $181,896-7.1% | $156,551+7.9% | $273,972-38.4% |
| Participation rate | 63.6% | 88.4%-24.7pp | 84.0%-20.4pp | 83.0%-19.4pp |
| Annual return | 7.94% | 30.74%-22.8pp | 32.23%-24.3pp | 41.46%-33.5pp |
| Employer contribution / active EE | $882 | $6,248-85.9% | $5,501-84.0% | $4,869-81.9% |
| Participant deferral / active EE | $3,190 | $5,550-42.5% | $4,871-34.5% | $5,287-39.7% |
| Admin fee / account holder | $336 | $15,560-97.8% | $13,028-97.4% | $10,133-96.7% |