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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 | $88,093 | $58,493+50.6% | $84,023+4.8% | $72,976+20.7% |
| Participation rate | 62.5% | 61.2%+1.3pp | 69.0%-6.5pp | 69.5%-7.0pp |
| Annual return | 21.95% | 28.93%-7.0pp | 71.32%-49.4pp | 81.02%-59.1pp |
| Employer contribution / active EE | $0 | $1,163-100.0% | $1,984-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $3,893 | $2,394+62.6% | $3,239+20.2% | $3,608+7.9% |
| Admin fee / account holder | $7,892 | $4,569+72.7% | $6,102+29.3% | $5,124+54.0% |