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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 | $71,386 | $101,752-29.8% | $164,928-56.7% | $80,911-11.8% |
| Participation rate | 60.3% | 71.8%-11.5pp | 78.6%-18.3pp | 67.6%-7.4pp |
| Annual return | 15.60% | 16.73%-1.1pp | 70.08%-54.5pp | 35.63%-20.0pp |
| Employer contribution / active EE | $471 | $2,953-84.0% | $4,343-89.2% | $2,756-82.9% |
| Participant deferral / active EE | $5,380 | $4,477+20.2% | $6,034-10.8% | $4,297+25.2% |
| Admin fee / account holder | $2,345 | $8,218-71.5% | $12,684-81.5% | $6,935-66.2% |