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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 | $73,108 | $58,523+24.9% | $99,470-26.5% | $72,983+0.2% |
| Participation rate | 36.4% | 64.6%-28.3pp | 73.8%-37.5pp | 69.5%-33.1pp |
| Annual return | 19.78% | 28.51%-8.7pp | 30.72%-10.9pp | 81.01%-61.2pp |
| Employer contribution / active EE | $212 | $1,512-86.0% | $2,540-91.7% | $2,440-91.3% |
| Participant deferral / active EE | $2,431 | $2,606-6.7% | $3,619-32.8% | $3,608-32.6% |
| Admin fee / account holder | $8,052 | $4,102+96.3% | $6,252+28.8% | $5,124+57.1% |