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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 | $76,011 | $97,550-22.1% | $120,344-36.8% | $87,485-13.1% |
| Participation rate | 8.6% | 72.8%-64.3pp | 76.7%-68.1pp | 68.9%-60.4pp |
| Annual return | 12.63% | 18.41%-5.8pp | 20.30%-7.7pp | 26.06%-13.4pp |
| Employer contribution / active EE | $640 | $2,291-72.1% | $3,020-78.8% | $2,596-75.4% |
| Participant deferral / active EE | $5,197 | $4,230+22.9% | $5,135+1.2% | $4,274+21.6% |
| Admin fee / account holder | $18,192 | $9,543+90.6% | $12,742+42.8% | $7,775+134.0% |