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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 | $68,125 | $91,559-25.6% | $133,978-49.2% | $79,856-14.7% |
| Participation rate | 62.5% | 73.3%-10.8pp | 79.8%-17.3pp | 69.6%-7.1pp |
| Annual return | 13.91% | 61.85%-47.9pp | 45.10%-31.2pp | 31.71%-17.8pp |
| Employer contribution / active EE | $381 | $2,384-84.0% | $3,919-90.3% | $2,471-84.6% |
| Participant deferral / active EE | $2,151 | $3,734-42.4% | $5,047-57.4% | $3,741-42.5% |
| Admin fee / account holder | $13,445 | $6,321+112.7% | $8,930+50.6% | $5,306+153.4% |