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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 | $87,059+78.3% | $105,608+47.0% | $80,925+91.8% |
| Participation rate | 34.8% | 70.4%-35.7pp | 75.3%-40.5pp | 67.7%-32.9pp |
| Annual return | 11.64% | 17.05%-5.4pp | 116.50%-104.9pp | 35.65%-24.0pp |
| Employer contribution / active EE | $266 | $2,396-88.9% | $3,167-91.6% | $2,756-90.3% |
| Participant deferral / active EE | $2,296 | $3,986-42.4% | $5,010-54.2% | $4,299-46.6% |
| Admin fee / account holder | $6,345 | $8,443-24.8% | $11,028-42.5% | $6,940-8.6% |