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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 | $98,126 | $98,776-0.7% | $149,745-34.5% | $79,856+22.9% |
| Participation rate | 56.0% | 75.8%-19.8pp | 82.5%-26.5pp | 69.6%-13.6pp |
| Annual return | 12.99% | 27.38%-14.4pp | 276.72%-263.7pp | 31.71%-18.7pp |
| Employer contribution / active EE | $385 | $3,217-88.0% | $4,646-91.7% | $2,471-84.4% |
| Participant deferral / active EE | $4,071 | $5,681-28.3% | $6,843-40.5% | $3,741+8.8% |
| Admin fee / account holder | $2,599 | $6,053-57.1% | $9,312-72.1% | $5,306-51.0% |