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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 | $92,200 | $73,978+24.6% | $96,515-4.5% | $75,173+22.7% |
| Participation rate | 26.6% | 66.4%-39.8pp | 74.3%-47.8pp | 67.2%-40.6pp |
| Annual return | 16.49% | 26.72%-10.2pp | 35.73%-19.2pp | 160.72%-144.2pp |
| Employer contribution / active EE | $256 | $2,931-91.2% | $3,740-93.1% | $2,671-90.4% |
| Participant deferral / active EE | $1,997 | $3,660-45.5% | $4,880-59.1% | $4,126-51.6% |
| Admin fee / account holder | $2,409 | $5,219-53.8% | $6,735-64.2% | $5,651-57.4% |