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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 | $140,157 | $77,670+80.5% | $125,529+11.7% | $65,306+114.6% |
| Participation rate | 49.6% | 63.2%-13.5pp | 74.7%-25.1pp | 57.7%-8.1pp |
| Annual return | 15.95% | 15.16%+0.8pp | 202.56%-186.6pp | 21.94%-6.0pp |
| Employer contribution / active EE | $471 | $2,099-77.6% | $3,058-84.6% | $1,967-76.1% |
| Participant deferral / active EE | $4,581 | $3,095+48.0% | $4,813-4.8% | $2,959+54.8% |
| Admin fee / account holder | $9,689 | $3,598+169.3% | $16,298-40.6% | $3,480+178.4% |