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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 | $92,792 | $132,310-29.9% | $105,754-12.3% | $273,972-66.1% |
| Participation rate | 65.0% | 83.2%-18.2pp | 78.9%-13.9pp | 83.0%-18.0pp |
| Annual return | 5.36% | 10.08%-4.7pp | 12.25%-6.9pp | 41.46%-36.1pp |
| Employer contribution / active EE | $855 | $4,867-82.4% | $4,079-79.0% | $4,869-82.4% |
| Participant deferral / active EE | $2,727 | $6,233-56.3% | $5,326-48.8% | $5,287-48.4% |
| Admin fee / account holder | $6,145 | $12,036-49.0% | $8,309-26.1% | $10,133-39.4% |