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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 | $44,603 | $91,559-51.3% | $133,978-66.7% | $79,856-44.1% |
| Participation rate | 69.2% | 73.3%-4.1pp | 79.8%-10.6pp | 69.6%-0.4pp |
| Annual return | 16.58% | 61.85%-45.3pp | 45.10%-28.5pp | 31.71%-15.1pp |
| Employer contribution / active EE | $244 | $2,384-89.8% | $3,919-93.8% | $2,471-90.1% |
| Participant deferral / active EE | $4,520 | $3,734+21.0% | $5,047-10.5% | $3,741+20.8% |
| Admin fee / account holder | $633 | $6,321-90.0% | $8,930-92.9% | $5,306-88.1% |