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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 | $103,552 | $86,940+19.1% | $102,434+1.1% | $80,935+27.9% |
| Participation rate | 66.2% | 72.4%-6.2pp | 76.5%-10.3pp | 67.7%-1.4pp |
| Annual return | 11.97% | 18.89%-6.9pp | 29.46%-17.5pp | 35.66%-23.7pp |
| Employer contribution / active EE | $590 | $2,370-75.1% | $3,023-80.5% | $2,757-78.6% |
| Participant deferral / active EE | $4,366 | $4,121+5.9% | $5,055-13.6% | $4,299+1.5% |
| Admin fee / account holder | $2,168 | $8,047-73.1% | $9,462-77.1% | $6,924-68.7% |