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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 | $75,508 | $72,269+4.5% | $101,271-25.4% | $79,852-5.4% |
| Participation rate | 62.7% | 68.5%-5.7pp | 75.8%-13.1pp | 69.6%-6.9pp |
| Annual return | 11.63% | 22.29%-10.7pp | 46.48%-34.8pp | 31.72%-20.1pp |
| Employer contribution / active EE | $438 | $2,692-83.7% | $3,660-88.0% | $2,471-82.3% |
| Participant deferral / active EE | $1,935 | $3,282-41.0% | $4,371-55.7% | $3,740-48.3% |
| Admin fee / account holder | $3,243 | $4,401-26.3% | $5,948-45.5% | $5,306-38.9% |