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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 | $81,998 | $65,367+25.4% | $92,915-11.7% | $72,976+12.4% |
| Participation rate | 58.1% | 68.3%-10.2pp | 76.0%-17.9pp | 69.5%-11.4pp |
| Annual return | 23.36% | 42.11%-18.7pp | 109.45%-86.1pp | 81.02%-57.7pp |
| Employer contribution / active EE | $0 | $2,594-100.0% | $3,653-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $3,204 | $3,128+2.4% | $4,238-24.4% | $3,608-11.2% |
| Admin fee / account holder | $12,394 | $4,251+191.5% | $5,796+113.8% | $5,124+141.9% |