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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 | $84,910 | $49,025+73.2% | $87,502-3.0% | $62,881+35.0% |
| Participation rate | 63.0% | 64.9%-1.9pp | 73.8%-10.9pp | 69.3%-6.3pp |
| Annual return | 12.84% | 10.02%+2.8pp | 12.21%+0.6pp | 20.14%-7.3pp |
| Employer contribution / active EE | $0 | $1,372-100.0% | $2,550-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $2,883 | $2,289+25.9% | $3,149-8.4% | $3,203-10.0% |
| Admin fee / account holder | $3,085 | $4,065-24.1% | $4,221-26.9% | $4,296-28.2% |