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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 | $40,018 | $56,894-29.7% | $84,753-52.8% | $62,881-36.4% |
| Participation rate | 69.8% | 68.5%+1.2pp | 76.6%-6.8pp | 69.3%+0.5pp |
| Annual return | 6.90% | 6.30%+0.6pp | 22.78%-15.9pp | 20.14%-13.2pp |
| Employer contribution / active EE | $297 | $2,400-87.6% | $3,574-91.7% | $2,281-87.0% |
| Participant deferral / active EE | $4,650 | $2,709+71.7% | $3,712+25.3% | $3,203+45.2% |
| Admin fee / account holder | $962 | $3,581-73.1% | $5,333-82.0% | $4,296-77.6% |