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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 | $93,112 | $114,712-18.8% | $173,730-46.4% | $87,485+6.4% |
| Participation rate | 63.8% | 73.0%-9.2pp | 79.6%-15.8pp | 68.9%-5.2pp |
| Annual return | 22.03% | 20.18%+1.8pp | 19.96%+2.1pp | 26.06%-4.0pp |
| Employer contribution / active EE | $535 | $2,904-81.6% | $4,577-88.3% | $2,596-79.4% |
| Participant deferral / active EE | $6,257 | $4,642+34.8% | $6,326-1.1% | $4,274+46.4% |
| Admin fee / account holder | $1,239 | $10,210-87.9% | $17,523-92.9% | $7,775-84.1% |