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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 | $74,969 | $86,288-13.1% | $111,306-32.6% | $85,851-12.7% |
| Participation rate | 66.3% | 73.3%-7.0pp | 77.3%-11.0pp | 69.3%-3.0pp |
| Annual return | 13.89% | 19.99%-6.1pp | 54.67%-40.8pp | 318.63%-304.7pp |
| Employer contribution / active EE | $356 | $2,044-82.6% | $2,732-87.0% | $2,565-86.1% |
| Participant deferral / active EE | $2,310 | $3,641-36.6% | $4,488-48.5% | $3,952-41.5% |
| Admin fee / account holder | $1,319 | $8,189-83.9% | $7,966-83.4% | $6,261-78.9% |