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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 | $80,288 | $56,054+43.2% | $171,082-53.1% | $62,881+27.7% |
| Participation rate | 64.4% | 62.9%+1.5pp | 76.7%-12.3pp | 69.3%-4.9pp |
| Annual return | 7.73% | 22.52%-14.8pp | 32.56%-24.8pp | 20.14%-12.4pp |
| Employer contribution / active EE | $247 | $1,731-85.8% | $4,002-93.8% | $2,281-89.2% |
| Participant deferral / active EE | $4,169 | $3,158+32.0% | $4,797-13.1% | $3,203+30.2% |
| Admin fee / account holder | $10,863 | $3,647+197.9% | $8,520+27.5% | $4,296+152.9% |