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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 | $31,225 | $210,510-85.2% | $153,500-79.7% | $145,877-78.6% |
| Participation rate | 69.6% | 82.1%-12.6pp | 77.1%-7.5pp | 80.3%-10.7pp |
| Annual return | 10.14% | 13.45%-3.3pp | 15.70%-5.6pp | 551.28%-541.1pp |
| Employer contribution / active EE | $874 | $6,052-85.6% | $5,039-82.7% | $4,663-81.3% |
| Participant deferral / active EE | $2,992 | $7,974-62.5% | $6,756-55.7% | $6,691-55.3% |
| Admin fee / account holder | $97,101 | $19,455+399.1% | $12,736+662.4% | $13,402+624.5% |