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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 | $75,824 | $115,931-34.6% | $185,441-59.1% | $86,983-12.8% |
| Participation rate | 59.1% | 73.6%-14.5pp | 80.3%-21.2pp | 69.5%-10.5pp |
| Annual return | 18.16% | 21.47%-3.3pp | 20.16%-2.0pp | 25.83%-7.7pp |
| Employer contribution / active EE | $584 | $2,937-80.1% | $4,672-87.5% | $2,584-77.4% |
| Participant deferral / active EE | $6,164 | $4,551+35.4% | $6,152+0.2% | $4,194+47.0% |
| Admin fee / account holder | $1,743 | $10,687-83.7% | $17,890-90.3% | $7,856-77.8% |