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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 | $68,579 | $132,099-48.1% | $115,599-40.7% | $138,895-50.6% |
| Participation rate | 66.7% | 77.9%-11.2pp | 74.3%-7.6pp | 79.9%-13.3pp |
| Annual return | 12.64% | 176.76%-164.1pp | 111.10%-98.5pp | 145.39%-132.8pp |
| Employer contribution / active EE | $641 | $3,416-81.2% | $2,955-78.3% | $4,194-84.7% |
| Participant deferral / active EE | $10,396 | $5,617+85.1% | $4,889+112.6% | $6,396+62.5% |
| Admin fee / account holder | $5,623 | $15,650-64.1% | $12,841-56.2% | $12,562-55.2% |