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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 | $172,187 | $93,345+84.5% | $119,126+44.5% | $87,485+96.8% |
| Participation rate | 52.5% | 68.7%-16.2pp | 75.8%-23.3pp | 68.9%-16.4pp |
| Annual return | 15.35% | 19.08%-3.7pp | 282.11%-266.8pp | 26.06%-10.7pp |
| Employer contribution / active EE | $790 | $3,172-75.1% | $4,034-80.4% | $2,596-69.6% |
| Participant deferral / active EE | $2,685 | $4,099-34.5% | $5,318-49.5% | $4,274-37.2% |
| Admin fee / account holder | $9,279 | $8,039+15.4% | $10,693-13.2% | $7,775+19.4% |