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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 | $76,541 | $86,938-12.0% | $102,423-25.3% | $80,925-5.4% |
| Participation rate | 55.6% | 72.4%-16.8pp | 76.5%-20.9pp | 67.7%-12.1pp |
| Annual return | 22.67% | 18.89%+3.8pp | 29.42%-6.8pp | 35.65%-13.0pp |
| Employer contribution / active EE | $495 | $2,369-79.1% | $3,023-83.6% | $2,756-82.1% |
| Participant deferral / active EE | $4,946 | $4,120+20.0% | $5,054-2.1% | $4,299+15.1% |
| Admin fee / account holder | $20,523 | $8,053+154.9% | $9,455+117.1% | $6,940+195.7% |