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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 | $80,348 | $72,177+11.3% | $115,037-30.2% | $59,633+34.7% |
| Participation rate | 64.9% | 72.6%-7.6pp | 81.4%-16.5pp | 68.7%-3.8pp |
| Annual return | 2.69% | 12.02%-9.3pp | 26.14%-23.5pp | 2041.40%-2038.7pp |
| Employer contribution / active EE | $120 | $2,841-95.8% | $4,608-97.4% | $2,203-94.6% |
| Participant deferral / active EE | $4,062 | $4,783-15.1% | $6,026-32.6% | $3,192+27.3% |
| Admin fee / account holder | $2,738 | $4,927-44.4% | $8,175-66.5% | $4,297-36.3% |