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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 | $128,512 | $106,280+20.9% | $96,538+33.1% | $139,487-7.9% |
| Participation rate | 66.7% | 77.8%-11.2pp | 74.3%-7.7pp | 80.3%-13.7pp |
| Annual return | 12.53% | 38.48%-25.9pp | 35.74%-23.2pp | 373.84%-361.3pp |
| Employer contribution / active EE | $592 | $4,107-85.6% | $3,740-84.2% | $4,755-87.6% |
| Participant deferral / active EE | $5,781 | $5,457+5.9% | $4,880+18.5% | $6,713-13.9% |
| Admin fee / account holder | $16,789 | $7,888+112.8% | $6,737+149.2% | $11,407+47.2% |