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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 | $73,722 | $106,923-31.1% | $84,023-12.3% | $152,909-51.8% |
| Participation rate | 66.7% | 75.3%-8.6pp | 69.0%-2.4pp | 82.5%-15.8pp |
| Annual return | 20.52% | 105.02%-84.5pp | 71.32%-50.8pp | 345.46%-324.9pp |
| Employer contribution / active EE | $290 | $2,735-89.4% | $1,984-85.4% | $4,764-93.9% |
| Participant deferral / active EE | $1,278 | $4,013-68.2% | $3,239-60.6% | $5,851-78.2% |
| Admin fee / account holder | $460 | $8,289-94.5% | $6,102-92.5% | $11,601-96.0% |