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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 | $85,942 | $136,860-37.2% | $120,344-28.6% | $154,746-44.5% |
| Participation rate | 58.3% | 79.9%-21.6pp | 76.7%-18.4pp | 80.7%-22.4pp |
| Annual return | 9.06% | 21.38%-12.3pp | 20.30%-11.2pp | 172.34%-163.3pp |
| Employer contribution / active EE | $193 | $3,533-94.5% | $3,020-93.6% | $4,379-95.6% |
| Participant deferral / active EE | $3,061 | $5,793-47.2% | $5,135-40.4% | $6,730-54.5% |
| Admin fee / account holder | $9,024 | $15,393-41.4% | $12,742-29.2% | $14,365-37.2% |