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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 | $37,574 | $192,737-80.5% | $142,460-73.6% | $139,456-73.1% |
| Participation rate | 68.8% | 81.5%-12.7pp | 76.8%-8.0pp | 80.3%-11.6pp |
| Annual return | 21.79% | 17.99%+3.8pp | 19.99%+1.8pp | 373.45%-351.7pp |
| Employer contribution / active EE | $964 | $5,806-83.4% | $4,847-80.1% | $4,753-79.7% |
| Participant deferral / active EE | $2,949 | $7,208-59.1% | $6,283-53.1% | $6,711-56.1% |
| Admin fee / account holder | $882 | $15,125-94.2% | $10,011-91.2% | $11,407-92.3% |