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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 | $101,559 | $111,301-8.8% | $112,977-10.1% | $158,982-36.1% |
| Participation rate | 66.7% | 83.5%-16.8pp | 82.6%-15.9pp | 82.0%-15.3pp |
| Annual return | 13.33% | 26.40%-13.1pp | 24.24%-10.9pp | 302.99%-289.7pp |
| Employer contribution / active EE | $908 | $4,471-79.7% | $4,255-78.7% | $4,763-80.9% |
| Participant deferral / active EE | $4,973 | $5,880-15.4% | $5,836-14.8% | $5,983-16.9% |
| Admin fee / account holder | $663 | $8,392-92.1% | $6,294-89.5% | $11,252-94.1% |