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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 | $78,393 | $72,027+8.8% | $185,861-57.8% | $79,856-1.8% |
| Participation rate | 42.9% | 65.8%-22.9pp | 78.0%-35.2pp | 69.6%-26.8pp |
| Annual return | 27.12% | 23.13%+4.0pp | 35.96%-8.8pp | 31.71%-4.6pp |
| Employer contribution / active EE | $8 | $1,965-99.6% | $4,088-99.8% | $2,471-99.7% |
| Participant deferral / active EE | $6,192 | $3,780+63.8% | $5,634+9.9% | $3,741+65.5% |
| Admin fee / account holder | $363 | $4,513-92.0% | $9,503-96.2% | $5,306-93.2% |