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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 | $60,700 | $67,602-10.2% | $82,312-26.3% | $70,126-13.4% |
| Participation rate | 69.0% | 72.8%-3.7pp | 76.9%-7.8pp | 69.5%-0.5pp |
| Annual return | 12.97% | 21.57%-8.6pp | 25.88%-12.9pp | 73.15%-60.2pp |
| Employer contribution / active EE | $358 | $1,755-79.6% | $2,428-85.2% | $2,343-84.7% |
| Participant deferral / active EE | $1,954 | $2,987-34.6% | $3,706-47.3% | $3,332-41.4% |
| Admin fee / account holder | $504 | $4,512-88.8% | $5,608-91.0% | $4,645-89.1% |