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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 | $121,624 | $95,453+27.4% | $112,040+8.6% | $82,448+47.5% |
| Participation rate | 69.2% | 72.8%-3.5pp | 76.5%-7.3pp | 68.1%+1.2pp |
| Annual return | 14.60% | 23.92%-9.3pp | 24.52%-9.9pp | 41.64%-27.0pp |
| Employer contribution / active EE | $609 | $2,318-73.7% | $2,954-79.4% | $2,551-76.1% |
| Participant deferral / active EE | $4,405 | $4,224+4.3% | $5,098-13.6% | $4,139+6.4% |
| Admin fee / account holder | $1,884 | $9,013-79.1% | $12,098-84.4% | $7,234-74.0% |