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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 | $70,766 | $51,096+38.5% | $100,712-29.7% | $71,012-0.3% |
| Participation rate | 26.1% | 47.0%-20.9pp | 69.3%-43.1pp | 58.6%-32.4pp |
| Annual return | 16.59% | 16.42%+0.2pp | 33.27%-16.7pp | 37.67%-21.1pp |
| Employer contribution / active EE | $0 | $1,127-100.0% | $2,313-100.0% | $2,348-100.0% |
| Participant deferral / active EE | $1,941 | $1,937+0.2% | $4,085-52.5% | $3,246-40.2% |
| Admin fee / account holder | $2,224 | $2,179+2.1% | $9,256-76.0% | $1,167+90.6% |