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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 | $75,484 | $67,602+11.7% | $82,312-8.3% | $70,126+7.6% |
| Participation rate | 65.5% | 72.8%-7.3pp | 76.9%-11.4pp | 69.5%-4.0pp |
| Annual return | 16.85% | 21.57%-4.7pp | 25.88%-9.0pp | 73.15%-56.3pp |
| Employer contribution / active EE | $299 | $1,755-82.9% | $2,428-87.7% | $2,343-87.2% |
| Participant deferral / active EE | $2,994 | $2,987+0.2% | $3,706-19.2% | $3,332-10.2% |
| Admin fee / account holder | $3,181 | $4,512-29.5% | $5,608-43.3% | $4,645-31.5% |