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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 | $60,173 | $181,896-66.9% | $156,551-61.6% | $273,972-78.0% |
| Participation rate | 40.0% | 88.4%-48.4pp | 84.0%-44.0pp | 83.0%-43.0pp |
| Annual return | 7.89% | 30.74%-22.8pp | 32.23%-24.3pp | 41.46%-33.6pp |
| Employer contribution / active EE | $640 | $6,248-89.8% | $5,501-88.4% | $4,869-86.9% |
| Participant deferral / active EE | $7,630 | $5,550+37.5% | $4,871+56.6% | $5,287+44.3% |
| Admin fee / account holder | $2,787 | $15,560-82.1% | $13,028-78.6% | $10,133-72.5% |