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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 | $71,065 | $59,440+19.6% | $78,004-8.9% | $82,637-14.0% |
| Participation rate | 51.5% | 62.8%-11.3pp | 69.4%-17.9pp | 68.1%-16.5pp |
| Annual return | 14.93% | 40.24%-25.3pp | 31.07%-16.1pp | 53.51%-38.6pp |
| Employer contribution / active EE | $269 | $1,750-84.6% | $2,469-89.1% | $2,552-89.5% |
| Participant deferral / active EE | $1,468 | $3,138-53.2% | $4,092-64.1% | $4,126-64.4% |
| Admin fee / account holder | $2,754 | $5,504-50.0% | $7,578-63.7% | $7,339-62.5% |