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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 | $155,250 | $87,132+78.2% | $105,624+47.0% | $80,959+91.8% |
| Participation rate | 34.8% | 70.4%-35.6pp | 75.3%-40.5pp | 67.7%-32.9pp |
| Annual return | 11.64% | 17.03%-5.4pp | 116.20%-104.6pp | 35.67%-24.0pp |
| Employer contribution / active EE | $266 | $2,397-88.9% | $3,168-91.6% | $2,757-90.3% |
| Participant deferral / active EE | $2,296 | $3,985-42.4% | $5,013-54.2% | $4,300-46.6% |
| Admin fee / account holder | $6,345 | $8,449-24.9% | $10,961-42.1% | $6,925-8.4% |