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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 | $55,846 | $73,978-24.5% | $96,515-42.1% | $75,173-25.7% |
| Participation rate | 66.2% | 66.4%-0.2pp | 74.3%-8.1pp | 67.2%-1.0pp |
| Annual return | 18.70% | 26.72%-8.0pp | 35.73%-17.0pp | 160.72%-142.0pp |
| Employer contribution / active EE | $421 | $2,931-85.6% | $3,740-88.7% | $2,671-84.2% |
| Participant deferral / active EE | $1,959 | $3,660-46.5% | $4,880-59.9% | $4,126-52.5% |
| Admin fee / account holder | $8,192 | $5,219+57.0% | $6,735+21.6% | $5,651+45.0% |