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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 | $146,033 | $86,940+68.0% | $102,434+42.6% | $80,935+80.4% |
| Participation rate | 57.5% | 72.4%-14.9pp | 76.5%-19.0pp | 67.7%-10.2pp |
| Annual return | 22.75% | 18.89%+3.9pp | 29.46%-6.7pp | 35.66%-12.9pp |
| Employer contribution / active EE | $404 | $2,370-83.0% | $3,023-86.6% | $2,757-85.3% |
| Participant deferral / active EE | $2,658 | $4,121-35.5% | $5,055-47.4% | $4,299-38.2% |
| Admin fee / account holder | $9,725 | $8,047+20.9% | $9,462+2.8% | $6,924+40.4% |