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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 | $91,127 | $71,192+28.0% | $117,861-22.7% | $62,293+46.3% |
| Participation rate | 47.6% | 74.2%-26.6pp | 79.7%-32.0pp | 69.5%-21.9pp |
| Annual return | 19.52% | 18.66%+0.9pp | 335.11%-315.6pp | 28.90%-9.4pp |
| Employer contribution / active EE | $464 | $1,934-76.0% | $3,786-87.7% | $2,042-77.3% |
| Participant deferral / active EE | $3,062 | $3,189-4.0% | $4,482-31.7% | $3,169-3.4% |
| Admin fee / account holder | $8,313 | $587+1315.6% | $8,021+3.6% | $479+1634.3% |