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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 | $77,859 | $88,672-12.2% | $105,223-26.0% | $82,448-5.6% |
| Participation rate | 61.7% | 67.9%-6.3pp | 75.0%-13.4pp | 68.1%-6.4pp |
| Annual return | 13.41% | 30.86%-17.4pp | 180.65%-167.2pp | 41.64%-28.2pp |
| Employer contribution / active EE | $407 | $3,048-86.7% | $3,689-89.0% | $2,551-84.1% |
| Participant deferral / active EE | $3,162 | $4,036-21.7% | $5,072-37.7% | $4,139-23.6% |
| Admin fee / account holder | $5,063 | $7,146-29.2% | $8,859-42.8% | $7,234-30.0% |