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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 | $65,992 | $56,894+16.0% | $84,753-22.1% | $62,881+4.9% |
| Participation rate | 15.7% | 68.5%-52.8pp | 76.6%-60.9pp | 69.3%-53.6pp |
| Annual return | 5.36% | 6.30%-0.9pp | 22.78%-17.4pp | 20.14%-14.8pp |
| Employer contribution / active EE | $358 | $2,400-85.1% | $3,574-90.0% | $2,281-84.3% |
| Participant deferral / active EE | $1,185 | $2,709-56.3% | $3,712-68.1% | $3,203-63.0% |
| Admin fee / account holder | $3,830 | $3,581+7.0% | $5,333-28.2% | $4,296-10.8% |