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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 | $81,534 | $147,556-44.7% | $129,031-36.8% | $198,609-58.9% |
| Participation rate | 62.5% | 77.2%-14.7pp | 73.4%-10.9pp | 82.4%-19.9pp |
| Annual return | 14.48% | 37.41%-22.9pp | 34.67%-20.2pp | 202.70%-188.2pp |
| Employer contribution / active EE | $596 | $3,645-83.7% | $3,226-81.5% | $5,055-88.2% |
| Participant deferral / active EE | $9,764 | $5,760+69.5% | $5,217+87.1% | $6,977+39.9% |
| Admin fee / account holder | $12,752 | $15,467-17.6% | $13,208-3.5% | $19,030-33.0% |