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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 | $84,757 | $72,269+17.3% | $101,271-16.3% | $79,852+6.1% |
| Participation rate | 60.0% | 68.5%-8.5pp | 75.8%-15.8pp | 69.6%-9.6pp |
| Annual return | 22.46% | 22.29%+0.2pp | 46.48%-24.0pp | 31.72%-9.3pp |
| Employer contribution / active EE | $466 | $2,692-82.7% | $3,660-87.3% | $2,471-81.1% |
| Participant deferral / active EE | $1,865 | $3,282-43.2% | $4,371-57.3% | $3,740-50.1% |
| Admin fee / account holder | $7,841 | $4,401+78.2% | $5,948+31.8% | $5,306+47.8% |