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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 | $108,491 | $85,515+26.9% | $112,040-3.2% | $67,986+59.6% |
| Participation rate | 63.5% | 68.2%-4.8pp | 76.5%-13.0pp | 57.2%+6.3pp |
| Annual return | 13.33% | 29.68%-16.4pp | 24.52%-11.2pp | 31.67%-18.3pp |
| Employer contribution / active EE | $0 | $2,191-100.0% | $2,954-100.0% | $2,019-100.0% |
| Participant deferral / active EE | $5,164 | $4,014+28.6% | $5,098+1.3% | $3,358+53.8% |
| Admin fee / account holder | $8,051 | $3,774+113.4% | $12,098-33.5% | $3,203+151.3% |