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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 | $122,159 | $80,992+50.8% | $96,534+26.5% | $75,173+62.5% |
| Participation rate | 65.9% | 71.8%-5.9pp | 76.0%-10.1pp | 67.2%-1.4pp |
| Annual return | 21.10% | 27.05%-5.9pp | 25.88%-4.8pp | 160.72%-139.6pp |
| Employer contribution / active EE | $620 | $2,283-72.8% | $2,965-79.1% | $2,671-76.8% |
| Participant deferral / active EE | $3,610 | $3,929-8.1% | $4,851-25.6% | $4,126-12.5% |
| Admin fee / account holder | $2,733 | $6,717-59.3% | $8,253-66.9% | $5,651-51.6% |