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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 | $147,540 | $89,370+65.1% | $141,197+4.5% | $72,976+102.2% |
| Participation rate | 62.5% | 75.1%-12.6pp | 82.5%-20.0pp | 69.5%-7.0pp |
| Annual return | 20.47% | 111.88%-91.4pp | 71.41%-50.9pp | 81.02%-60.5pp |
| Employer contribution / active EE | $314 | $3,115-89.9% | $4,736-93.4% | $2,440-87.1% |
| Participant deferral / active EE | $4,435 | $5,419-18.1% | $6,710-33.9% | $3,608+22.9% |
| Admin fee / account holder | $34,515 | $5,957+479.4% | $10,265+236.2% | $5,124+573.6% |