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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 | $174,365 | $97,125+79.5% | $86,233+102.2% | $137,256+27.0% |
| Participation rate | 11.1% | 74.2%-63.1pp | 69.0%-57.9pp | 80.0%-68.8pp |
| Annual return | 14.70% | 74.19%-59.5pp | 61.39%-46.7pp | 220.34%-205.6pp |
| Employer contribution / active EE | $191 | $2,841-93.3% | $2,504-92.4% | $4,156-95.4% |
| Participant deferral / active EE | $1,630 | $5,180-68.5% | $4,559-64.2% | $6,407-74.6% |
| Admin fee / account holder | $1,147 | $9,725-88.2% | $8,342-86.3% | $12,270-90.7% |