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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 | $88,672+94.2% | $105,223+63.6% | $82,448+108.8% |
| Participation rate | 52.5% | 67.9%-15.4pp | 75.0%-22.5pp | 68.1%-15.6pp |
| Annual return | 15.35% | 30.86%-15.5pp | 180.65%-165.3pp | 41.64%-26.3pp |
| Employer contribution / active EE | $790 | $3,048-74.1% | $3,689-78.6% | $2,551-69.0% |
| Participant deferral / active EE | $2,685 | $4,036-33.5% | $5,072-47.1% | $4,139-35.1% |
| Admin fee / account holder | $9,279 | $7,146+29.9% | $8,859+4.7% | $7,234+28.3% |