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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 | $90,851 | $93,598-2.9% | $135,974-33.2% | $75,173+20.9% |
| Participation rate | 64.5% | 75.2%-10.7pp | 81.9%-17.4pp | 67.2%-2.7pp |
| Annual return | 15.27% | 30.89%-15.6pp | 68.30%-53.0pp | 160.72%-145.4pp |
| Employer contribution / active EE | $451 | $3,538-87.3% | $4,859-90.7% | $2,671-83.1% |
| Participant deferral / active EE | $4,555 | $6,405-28.9% | $7,760-41.3% | $4,126+10.4% |
| Admin fee / account holder | $4,742 | $6,978-32.0% | $10,767-56.0% | $5,651-16.1% |