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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 | $109,513 | $86,938+26.0% | $102,423+6.9% | $80,925+35.3% |
| Participation rate | 65.9% | 72.4%-6.5pp | 76.5%-10.6pp | 67.7%-1.8pp |
| Annual return | 20.49% | 18.89%+1.6pp | 29.42%-8.9pp | 35.65%-15.2pp |
| Employer contribution / active EE | $1 | $2,369-100.0% | $3,023-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $4,518 | $4,120+9.6% | $5,054-10.6% | $4,299+5.1% |
| Admin fee / account holder | $12,230 | $8,053+51.9% | $9,455+29.4% | $6,940+76.2% |