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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 | $108,546 | $101,798+6.6% | $165,071-34.2% | $80,935+34.1% |
| Participation rate | 64.5% | 71.8%-7.3pp | 78.6%-14.1pp | 67.7%-3.1pp |
| Annual return | 14.79% | 16.73%-1.9pp | 70.17%-55.4pp | 35.66%-20.9pp |
| Employer contribution / active EE | $589 | $2,954-80.1% | $4,347-86.5% | $2,757-78.7% |
| Participant deferral / active EE | $3,947 | $4,476-11.8% | $6,035-34.6% | $4,299-8.2% |
| Admin fee / account holder | $2,886 | $8,221-64.9% | $12,695-77.3% | $6,924-58.3% |