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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 | $93,325 | $132,310-29.5% | $105,754-11.8% | $273,972-65.9% |
| Participation rate | 63.6% | 83.2%-19.6pp | 78.9%-15.3pp | 83.0%-19.4pp |
| Annual return | 6.59% | 10.08%-3.5pp | 12.25%-5.7pp | 41.46%-34.9pp |
| Employer contribution / active EE | $985 | $4,867-79.8% | $4,079-75.9% | $4,869-79.8% |
| Participant deferral / active EE | $5,217 | $6,233-16.3% | $5,326-2.0% | $5,287-1.3% |
| Admin fee / account holder | $1,100 | $12,036-90.9% | $8,309-86.8% | $10,133-89.1% |