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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 | $86,417 | $88,707-2.6% | $74,184+16.5% | $273,972-68.5% |
| Participation rate | 60.9% | 79.4%-18.6pp | 76.6%-15.7pp | 83.0%-22.1pp |
| Annual return | 6.49% | 11.94%-5.4pp | 17.74%-11.2pp | 41.46%-35.0pp |
| Employer contribution / active EE | $416 | $3,159-86.8% | $2,370-82.5% | $4,869-91.5% |
| Participant deferral / active EE | $3,196 | $4,212-24.1% | $3,550-10.0% | $5,287-39.5% |
| Admin fee / account holder | $12,070 | $8,717+38.5% | $5,586+116.1% | $10,133+19.1% |