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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 | $97,269 | $51,222+89.9% | $70,544+37.9% | $75,173+29.4% |
| Participation rate | 64.2% | 61.0%+3.2pp | 68.4%-4.1pp | 67.2%-3.0pp |
| Annual return | 17.53% | 30.06%-12.5pp | 32.79%-15.3pp | 160.72%-143.2pp |
| Employer contribution / active EE | $328 | $1,827-82.0% | $2,976-89.0% | $2,671-87.7% |
| Participant deferral / active EE | $2,266 | $2,850-20.5% | $4,568-50.4% | $4,126-45.1% |
| Admin fee / account holder | $3,664 | $4,096-10.5% | $6,427-43.0% | $5,651-35.2% |