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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 | $84,260 | $76,551+10.1% | $123,894-32.0% | $62,881+34.0% |
| Participation rate | 62.2% | 73.0%-10.8pp | 81.4%-19.2pp | 69.3%-7.1pp |
| Annual return | 6.60% | 18.68%-12.1pp | 47.52%-40.9pp | 20.14%-13.5pp |
| Employer contribution / active EE | $440 | $2,882-84.7% | $4,617-90.5% | $2,281-80.7% |
| Participant deferral / active EE | $2,512 | $4,840-48.1% | $5,984-58.0% | $3,203-21.6% |
| Admin fee / account holder | $2,950 | $4,826-38.9% | $8,357-64.7% | $4,296-31.3% |