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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 | $78,862 | $138,385-43.0% | $184,200-57.2% | $80,874-2.5% |
| Participation rate | 69.2% | 83.9%-14.6pp | 86.8%-17.6pp | 67.6%+1.6pp |
| Annual return | 20.40% | 20.02%+0.4pp | 28.80%-8.4pp | 35.62%-15.2pp |
| Employer contribution / active EE | $1,237 | $4,849-74.5% | $6,424-80.7% | $2,756-55.1% |
| Participant deferral / active EE | $8,931 | $7,073+26.3% | $9,132-2.2% | $4,297+107.8% |
| Admin fee / account holder | $1,066 | $10,483-89.8% | $13,907-92.3% | $6,935-84.6% |