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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 | $39,094 | $81,504-52.0% | $102,437-61.8% | $80,959-51.7% |
| Participation rate | 69.2% | 66.9%+2.4pp | 74.5%-5.3pp | 67.7%+1.6pp |
| Annual return | 12.23% | 25.60%-13.4pp | 24.95%-12.7pp | 35.67%-23.4pp |
| Employer contribution / active EE | $671 | $3,104-78.4% | $3,871-82.7% | $2,757-75.7% |
| Participant deferral / active EE | $4,081 | $3,871+5.4% | $5,060-19.4% | $4,300-5.1% |
| Admin fee / account holder | $3,844 | $6,719-42.8% | $8,388-54.2% | $6,925-44.5% |