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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 | $89,463 | $58,851+52.0% | $115,170-22.3% | $72,975+22.6% |
| Participation rate | 62.9% | 65.5%-2.7pp | 75.9%-13.1pp | 69.5%-6.6pp |
| Annual return | 20.70% | 23.16%-2.5pp | 35.60%-14.9pp | 81.01%-60.3pp |
| Employer contribution / active EE | $0 | $1,798-100.0% | $3,179-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $2,830 | $2,643+7.1% | $4,169-32.1% | $3,608-21.6% |
| Admin fee / account holder | $1,237 | $6,370-80.6% | $7,089-82.5% | $5,124-75.9% |