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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 | $70,885 | $72,273-1.9% | $101,275-30.0% | $79,856-11.2% |
| Participation rate | 21.1% | 68.5%-47.4pp | 75.8%-54.8pp | 69.6%-48.6pp |
| Annual return | 12.56% | 22.30%-9.7pp | 46.48%-33.9pp | 31.71%-19.2pp |
| Employer contribution / active EE | $539 | $2,691-80.0% | $3,660-85.3% | $2,471-78.2% |
| Participant deferral / active EE | $1,731 | $3,282-47.3% | $4,371-60.4% | $3,741-53.7% |
| Admin fee / account holder | $5,024 | $4,401+14.2% | $5,948-15.5% | $5,306-5.3% |