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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 | $62,520 | $79,955-21.8% | $98,461-36.5% | $75,173-16.8% |
| Participation rate | 57.7% | 70.4%-12.7pp | 75.2%-17.5pp | 67.2%-9.5pp |
| Annual return | 15.83% | 19.75%-3.9pp | 21.17%-5.3pp | 160.72%-144.9pp |
| Employer contribution / active EE | $401 | $2,264-82.3% | $3,049-86.8% | $2,671-85.0% |
| Participant deferral / active EE | $4,010 | $3,752+6.9% | $4,738-15.4% | $4,126-2.8% |
| Admin fee / account holder | $674 | $6,841-90.2% | $8,961-92.5% | $5,651-88.1% |