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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 | $87,777 | $70,486+24.5% | $100,535-12.7% | $79,856+9.9% |
| Participation rate | 67.7% | 73.6%-6.0pp | 79.4%-11.7pp | 69.6%-1.9pp |
| Annual return | 14.84% | 21.90%-7.1pp | 30.90%-16.1pp | 31.71%-16.9pp |
| Employer contribution / active EE | $0 | $2,165-100.0% | $3,419-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $2,989 | $5,182-42.3% | $6,271-52.3% | $3,741-20.1% |
| Admin fee / account holder | $1,625 | $4,480-63.7% | $8,085-79.9% | $5,306-69.4% |