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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 | $133,371 | $79,955+66.8% | $98,461+35.5% | $75,173+77.4% |
| Participation rate | 41.5% | 70.4%-28.9pp | 75.2%-33.7pp | 67.2%-25.7pp |
| Annual return | 13.44% | 19.75%-6.3pp | 21.17%-7.7pp | 160.72%-147.3pp |
| Employer contribution / active EE | $320 | $2,264-85.9% | $3,049-89.5% | $2,671-88.0% |
| Participant deferral / active EE | $2,645 | $3,752-29.5% | $4,738-44.2% | $4,126-35.9% |
| Admin fee / account holder | $19,712 | $6,841+188.1% | $8,961+120.0% | $5,651+248.9% |