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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 | $67,198 | $181,896-63.1% | $156,551-57.1% | $273,972-75.5% |
| Participation rate | 62.5% | 88.4%-25.9pp | 84.0%-21.5pp | 83.0%-20.5pp |
| Annual return | 6.41% | 30.74%-24.3pp | 32.23%-25.8pp | 41.46%-35.0pp |
| Employer contribution / active EE | $1,262 | $6,248-79.8% | $5,501-77.1% | $4,869-74.1% |
| Participant deferral / active EE | $2,432 | $5,550-56.2% | $4,871-50.1% | $5,287-54.0% |
| Admin fee / account holder | $815 | $15,560-94.8% | $13,028-93.7% | $10,133-92.0% |