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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 | $177,180 | $95,453+85.6% | $112,040+58.1% | $82,448+114.9% |
| Participation rate | 61.8% | 72.8%-11.0pp | 76.5%-14.7pp | 68.1%-6.3pp |
| Annual return | 12.91% | 23.92%-11.0pp | 24.52%-11.6pp | 41.64%-28.7pp |
| Employer contribution / active EE | $471 | $2,318-79.7% | $2,954-84.1% | $2,551-81.5% |
| Participant deferral / active EE | $2,684 | $4,224-36.4% | $5,098-47.3% | $4,139-35.1% |
| Admin fee / account holder | $7,689 | $9,013-14.7% | $12,098-36.4% | $7,234+6.3% |