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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 | $134,376 | $93,617+43.5% | $135,982-1.2% | $75,177+78.7% |
| Participation rate | 64.4% | 75.2%-10.8pp | 81.9%-17.5pp | 67.2%-2.8pp |
| Annual return | 15.31% | 30.89%-15.6pp | 68.32%-53.0pp | 160.75%-145.4pp |
| Employer contribution / active EE | $26 | $3,538-99.3% | $4,859-99.5% | $2,671-99.0% |
| Participant deferral / active EE | $6,000 | $6,406-6.3% | $7,760-22.7% | $4,126+45.4% |
| Admin fee / account holder | $2,290 | $6,980-67.2% | $10,767-78.7% | $5,651-59.5% |