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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 | $138,393-43.0% | $184,256-57.2% | $80,959-2.6% |
| Participation rate | 69.2% | 83.9%-14.7pp | 86.8%-17.6pp | 67.7%+1.6pp |
| Annual return | 20.40% | 20.01%+0.4pp | 28.85%-8.4pp | 35.67%-15.3pp |
| Employer contribution / active EE | $1,237 | $4,847-74.5% | $6,427-80.8% | $2,757-55.1% |
| Participant deferral / active EE | $8,931 | $7,076+26.2% | $9,133-2.2% | $4,300+107.7% |
| Admin fee / account holder | $1,066 | $10,489-89.8% | $13,899-92.3% | $6,925-84.6% |