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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 | $71,406 | $86,940-17.9% | $102,434-30.3% | $80,935-11.8% |
| Participation rate | 35.2% | 72.4%-37.2pp | 76.5%-41.3pp | 67.7%-32.4pp |
| Annual return | 13.42% | 18.89%-5.5pp | 29.46%-16.0pp | 35.66%-22.2pp |
| Employer contribution / active EE | $523 | $2,370-77.9% | $3,023-82.7% | $2,757-81.0% |
| Participant deferral / active EE | $2,277 | $4,121-44.8% | $5,055-55.0% | $4,299-47.0% |
| Admin fee / account holder | $3,089 | $8,047-61.6% | $9,462-67.3% | $6,924-55.4% |