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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 | $66,666 | $78,670-15.3% | $109,173-38.9% | $85,847-22.3% |
| Participation rate | 67.6% | 68.3%-0.7pp | 75.9%-8.3pp | 69.3%-1.8pp |
| Annual return | 14.15% | 25.09%-10.9pp | 25.75%-11.6pp | 318.61%-304.5pp |
| Employer contribution / active EE | $496 | $2,734-81.8% | $3,723-86.7% | $2,565-80.7% |
| Participant deferral / active EE | $2,475 | $3,467-28.6% | $4,654-46.8% | $3,952-37.4% |
| Admin fee / account holder | $7,221 | $5,469+32.0% | $6,755+6.9% | $6,261+15.3% |