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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 | $71,737 | $107,809-33.5% | $97,032-26.1% | $155,188-53.8% |
| Participation rate | 66.7% | 75.5%-8.8pp | 71.6%-4.9pp | 80.8%-14.1pp |
| Annual return | 12.15% | 38.06%-25.9pp | 35.38%-23.2pp | 148.84%-136.7pp |
| Employer contribution / active EE | $67 | $2,911-97.7% | $2,629-97.5% | $4,248-98.4% |
| Participant deferral / active EE | $1,051 | $5,129-79.5% | $4,672-77.5% | $6,531-83.9% |
| Admin fee / account holder | $10,624 | $10,717-0.9% | $9,418+12.8% | $14,480-26.6% |