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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 | $70,835 | $65,364+8.4% | $92,909-23.8% | $72,975-2.9% |
| Participation rate | 64.5% | 68.3%-3.8pp | 76.0%-11.5pp | 69.5%-5.0pp |
| Annual return | 22.25% | 42.11%-19.9pp | 109.44%-87.2pp | 81.01%-58.8pp |
| Employer contribution / active EE | $428 | $2,594-83.5% | $3,653-88.3% | $2,440-82.5% |
| Participant deferral / active EE | $1,710 | $3,128-45.3% | $4,238-59.6% | $3,608-52.6% |
| Admin fee / account holder | $6,695 | $4,251+57.5% | $5,795+15.5% | $5,124+30.7% |