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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 | $95,404+27.5% | $113,397+7.3% | $82,637+47.2% |
| Participation rate | 69.2% | 72.8%-3.6pp | 76.5%-7.3pp | 68.1%+1.2pp |
| Annual return | 14.60% | 19.08%-4.5pp | 23.20%-8.6pp | 53.51%-38.9pp |
| Employer contribution / active EE | $609 | $2,307-73.6% | $2,977-79.5% | $2,552-76.1% |
| Participant deferral / active EE | $4,405 | $4,220+4.4% | $5,076-13.2% | $4,126+6.8% |
| Admin fee / account holder | $1,884 | $9,168-79.4% | $11,957-84.2% | $7,339-74.3% |