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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 | $95,404+18.0% | $113,397-0.7% | $82,637+36.3% |
| Participation rate | 57.9% | 72.8%-14.9pp | 76.5%-18.6pp | 68.1%-10.2pp |
| Annual return | 13.71% | 19.08%-5.4pp | 23.20%-9.5pp | 53.51%-39.8pp |
| Employer contribution / active EE | $229 | $2,307-90.1% | $2,977-92.3% | $2,552-91.0% |
| Participant deferral / active EE | $2,662 | $4,220-36.9% | $5,076-47.6% | $4,126-35.5% |
| Admin fee / account holder | $21,314 | $9,168+132.5% | $11,957+78.3% | $7,339+190.4% |