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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 | $130,139 | $98,766+31.8% | $149,730-13.1% | $79,852+63.0% |
| Participation rate | 55.7% | 75.8%-20.0pp | 82.5%-26.7pp | 69.6%-13.9pp |
| Annual return | 12.76% | 27.43%-14.7pp | 276.70%-263.9pp | 31.72%-19.0pp |
| Employer contribution / active EE | $329 | $3,217-89.8% | $4,645-92.9% | $2,471-86.7% |
| Participant deferral / active EE | $4,316 | $5,681-24.0% | $6,843-36.9% | $3,740+15.4% |
| Admin fee / account holder | $15,360 | $6,052+153.8% | $9,310+65.0% | $5,306+189.5% |