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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 | $91,169 | $76,551+19.1% | $123,894-26.4% | $62,881+45.0% |
| Participation rate | 56.7% | 73.0%-16.3pp | 81.4%-24.7pp | 69.3%-12.6pp |
| Annual return | 27.27% | 18.68%+8.6pp | 47.52%-20.2pp | 20.14%+7.1pp |
| Employer contribution / active EE | $0 | $2,882-100.0% | $4,617-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $8,464 | $4,840+74.9% | $5,984+41.4% | $3,203+164.2% |
| Admin fee / account holder | $1,758 | $4,826-63.6% | $8,357-79.0% | $4,296-59.1% |