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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 | $73,439 | $65,367+12.3% | $92,915-21.0% | $72,976+0.6% |
| Participation rate | 69.2% | 68.3%+0.9pp | 76.0%-6.8pp | 69.5%-0.3pp |
| Annual return | 17.98% | 42.11%-24.1pp | 109.45%-91.5pp | 81.02%-63.0pp |
| Employer contribution / active EE | $0 | $2,594-100.0% | $3,653-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $2,601 | $3,128-16.8% | $4,238-38.6% | $3,608-27.9% |
| Admin fee / account holder | $366 | $4,251-91.4% | $5,796-93.7% | $5,124-92.9% |