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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 | $31,780 | $136,860-76.8% | $120,344-73.6% | $154,746-79.5% |
| Participation rate | 66.7% | 79.9%-13.2pp | 76.7%-10.0pp | 80.7%-14.0pp |
| Annual return | 12.49% | 21.38%-8.9pp | 20.30%-7.8pp | 172.34%-159.8pp |
| Employer contribution / active EE | $810 | $3,533-77.1% | $3,020-73.2% | $4,379-81.5% |
| Participant deferral / active EE | $2,555 | $5,793-55.9% | $5,135-50.2% | $6,730-62.0% |
| Admin fee / account holder | $6,822 | $15,393-55.7% | $12,742-46.5% | $14,365-52.5% |