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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 | $125,276 | $91,198+37.4% | $178,503-29.8% | $79,856+56.9% |
| Participation rate | 21.9% | 69.2%-47.3pp | 81.9%-60.1pp | 69.6%-47.8pp |
| Annual return | 16.20% | 24.20%-8.0pp | 151.12%-134.9pp | 31.71%-15.5pp |
| Employer contribution / active EE | $280 | $3,257-91.4% | $5,011-94.4% | $2,471-88.7% |
| Participant deferral / active EE | $3,350 | $3,237+3.5% | $5,202-35.6% | $3,741-10.4% |
| Admin fee / account holder | $524 | $6,748-92.2% | $13,987-96.3% | $5,306-90.1% |