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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 | $75,334 | $211,105-64.3% | $178,449-57.8% | $145,978-48.4% |
| Participation rate | 69.2% | 80.8%-11.6pp | 77.1%-7.9pp | 80.3%-11.1pp |
| Annual return | 9.59% | 30.19%-20.6pp | 27.09%-17.5pp | 550.52%-540.9pp |
| Employer contribution / active EE | $496 | $4,569-89.1% | $3,951-87.4% | $4,662-89.4% |
| Participant deferral / active EE | $3,181 | $6,959-54.3% | $6,277-49.3% | $6,690-52.5% |
| Admin fee / account holder | $1,520 | $12,017-87.4% | $10,362-85.3% | $13,400-88.7% |