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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 | $79,943 | $80,983-1.3% | $96,544-17.2% | $75,177+6.3% |
| Participation rate | 64.1% | 71.8%-7.7pp | 76.0%-11.9pp | 67.2%-3.1pp |
| Annual return | 13.16% | 27.05%-13.9pp | 25.88%-12.7pp | 160.75%-147.6pp |
| Employer contribution / active EE | $376 | $2,282-83.5% | $2,966-87.3% | $2,671-85.9% |
| Participant deferral / active EE | $2,086 | $3,929-46.9% | $4,851-57.0% | $4,126-49.4% |
| Admin fee / account holder | $1,870 | $6,717-72.2% | $8,254-77.3% | $5,651-66.9% |