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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 | $79,322 | $72,137+10.0% | $142,460-44.3% | $71,495+10.9% |
| Participation rate | 44.3% | 71.7%-27.4pp | 76.8%-32.5pp | 67.9%-23.6pp |
| Annual return | 18.78% | 21.15%-2.4pp | 19.99%-1.2pp | 28.85%-10.1pp |
| Employer contribution / active EE | $982 | $3,793-74.1% | $4,847-79.7% | $2,589-62.1% |
| Participant deferral / active EE | $3,109 | $5,280-41.1% | $6,283-50.5% | $4,291-27.5% |
| Admin fee / account holder | $5,015 | $1,433+249.9% | $10,011-49.9% | $1,588+215.9% |