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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 | $112,612 | $95,453+18.0% | $112,040+0.5% | $82,448+36.6% |
| Participation rate | 57.9% | 72.8%-14.9pp | 76.5%-18.6pp | 68.1%-10.2pp |
| Annual return | 13.71% | 23.92%-10.2pp | 24.52%-10.8pp | 41.64%-27.9pp |
| Employer contribution / active EE | $229 | $2,318-90.1% | $2,954-92.2% | $2,551-91.0% |
| Participant deferral / active EE | $2,662 | $4,224-37.0% | $5,098-47.8% | $4,139-35.7% |
| Admin fee / account holder | $21,314 | $9,013+136.5% | $12,098+76.2% | $7,234+194.6% |