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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 | $162,802 | $152,074+7.1% | $137,474+18.4% | $198,609-18.0% |
| Participation rate | 45.5% | 85.3%-39.9pp | 83.5%-38.1pp | 82.4%-36.9pp |
| Annual return | 12.00% | 10.68%+1.3pp | 11.53%+0.5pp | 202.70%-190.7pp |
| Employer contribution / active EE | $1,810 | $5,444-66.8% | $5,048-64.2% | $5,055-64.2% |
| Participant deferral / active EE | $3,766 | $6,522-42.2% | $6,155-38.8% | $6,977-46.0% |
| Admin fee / account holder | $35,613 | $11,950+198.0% | $10,602+235.9% | $19,030+87.1% |