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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 | $152,956 | $86,938+75.9% | $102,423+49.3% | $80,925+89.0% |
| Participation rate | 59.4% | 72.4%-13.0pp | 76.5%-17.1pp | 67.7%-8.3pp |
| Annual return | 14.99% | 18.89%-3.9pp | 29.42%-14.4pp | 35.65%-20.7pp |
| Employer contribution / active EE | $432 | $2,369-81.8% | $3,023-85.7% | $2,756-84.3% |
| Participant deferral / active EE | $2,466 | $4,120-40.1% | $5,054-51.2% | $4,299-42.6% |
| Admin fee / account holder | $13,152 | $8,053+63.3% | $9,455+39.1% | $6,940+89.5% |