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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 | $104,671 | $65,364+60.1% | $92,909+12.7% | $72,975+43.4% |
| Participation rate | 59.4% | 68.3%-8.9pp | 76.0%-16.6pp | 69.5%-10.1pp |
| Annual return | 23.62% | 42.11%-18.5pp | 109.44%-85.8pp | 81.01%-57.4pp |
| Employer contribution / active EE | $201 | $2,594-92.3% | $3,653-94.5% | $2,440-91.8% |
| Participant deferral / active EE | $7,884 | $3,128+152.0% | $4,238+86.0% | $3,608+118.5% |
| Admin fee / account holder | $428 | $4,251-89.9% | $5,795-92.6% | $5,124-91.7% |