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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 | $99,053-27.6% | $88,179-18.6% | $138,895-48.4% |
| Participation rate | 66.7% | 74.2%-7.6pp | 69.1%-2.5pp | 79.9%-13.3pp |
| Annual return | 12.15% | 78.17%-66.0pp | 64.97%-52.8pp | 145.39%-133.2pp |
| Employer contribution / active EE | $67 | $2,882-97.7% | $2,549-97.4% | $4,194-98.4% |
| Participant deferral / active EE | $1,051 | $5,225-79.9% | $4,614-77.2% | $6,396-83.6% |
| Admin fee / account holder | $10,624 | $8,748+21.4% | $7,673+38.5% | $12,562-15.4% |