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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 | $88,823 | $254,759-65.1% | $216,567-59.0% | $198,609-55.3% |
| Participation rate | 66.7% | 84.5%-17.9pp | 81.6%-15.0pp | 82.4%-15.7pp |
| Annual return | 16.47% | 10.04%+6.4pp | 12.94%+3.5pp | 202.70%-186.2pp |
| Employer contribution / active EE | $1,354 | $6,096-77.8% | $5,216-74.0% | $5,055-73.2% |
| Participant deferral / active EE | $3,423 | $6,948-50.7% | $6,191-44.7% | $6,977-50.9% |
| Admin fee / account holder | $968 | $26,311-96.3% | $21,981-95.6% | $19,030-94.9% |