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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 | $97,255 | $87,733+10.9% | $106,554-8.7% | $85,851+13.3% |
| Participation rate | 56.1% | 71.9%-15.8pp | 76.1%-20.0pp | 69.3%-13.2pp |
| Annual return | 12.33% | 21.86%-9.5pp | 26.80%-14.5pp | 318.63%-306.3pp |
| Employer contribution / active EE | $327 | $2,073-84.2% | $2,819-88.4% | $2,565-87.2% |
| Participant deferral / active EE | $3,703 | $3,469+6.7% | $4,398-15.8% | $3,952-6.3% |
| Admin fee / account holder | $12,865 | $6,767+90.1% | $7,408+73.7% | $6,261+105.5% |