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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 | $110,137-31.2% | $161,149-52.9% | $82,637-8.2% |
| Participation rate | 59.1% | 72.4%-13.3pp | 78.8%-19.7pp | 68.1%-9.0pp |
| Annual return | 18.16% | 20.69%-2.5pp | 21.16%-3.0pp | 53.51%-35.3pp |
| Employer contribution / active EE | $584 | $2,856-79.6% | $4,360-86.6% | $2,552-77.1% |
| Participant deferral / active EE | $6,164 | $4,575+34.7% | $6,153+0.2% | $4,126+49.4% |
| Admin fee / account holder | $1,743 | $9,467-81.6% | $15,194-88.5% | $7,339-76.2% |