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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 | $107,274 | $117,904-9.0% | $102,457+4.7% | $145,978-26.5% |
| Participation rate | 55.6% | 78.6%-23.0pp | 76.5%-20.9pp | 80.3%-24.7pp |
| Annual return | 11.98% | 31.80%-19.8pp | 29.41%-17.4pp | 550.52%-538.5pp |
| Employer contribution / active EE | $442 | $3,613-87.8% | $3,022-85.4% | $4,662-90.5% |
| Participant deferral / active EE | $2,075 | $5,733-63.8% | $5,054-58.9% | $6,690-69.0% |
| Admin fee / account holder | $11,609 | $13,329-12.9% | $9,451+22.8% | $13,400-13.4% |