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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 | $144,025 | $106,749+34.9% | $145,433-1.0% | $82,448+74.7% |
| Participation rate | 17.6% | 75.6%-58.1pp | 82.1%-64.6pp | 68.1%-50.5pp |
| Annual return | 16.18% | 27.59%-11.4pp | 66.58%-50.4pp | 41.64%-25.5pp |
| Employer contribution / active EE | $634 | $3,444-81.6% | $4,554-86.1% | $2,551-75.1% |
| Participant deferral / active EE | $2,471 | $6,519-62.1% | $7,897-68.7% | $4,139-40.3% |
| Admin fee / account holder | $13,900 | $8,390+65.7% | $13,129+5.9% | $7,234+92.1% |