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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 | $69,231 | $98,776-29.9% | $149,745-53.8% | $79,856-13.3% |
| Participation rate | 64.1% | 75.8%-11.7pp | 82.5%-18.4pp | 69.6%-5.5pp |
| Annual return | 14.97% | 27.38%-12.4pp | 276.72%-261.8pp | 31.71%-16.7pp |
| Employer contribution / active EE | $220 | $3,217-93.2% | $4,646-95.3% | $2,471-91.1% |
| Participant deferral / active EE | $3,107 | $5,681-45.3% | $6,843-54.6% | $3,741-16.9% |
| Admin fee / account holder | $10,860 | $6,053+79.4% | $9,312+16.6% | $5,306+104.7% |