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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 | $136,105 | $80,983+68.1% | $96,544+41.0% | $75,177+81.0% |
| Participation rate | 57.7% | 71.8%-14.1pp | 76.0%-18.3pp | 67.2%-9.5pp |
| Annual return | 17.50% | 27.05%-9.6pp | 25.88%-8.4pp | 160.75%-143.2pp |
| Employer contribution / active EE | $549 | $2,282-75.9% | $2,966-81.5% | $2,671-79.4% |
| Participant deferral / active EE | $4,843 | $3,929+23.3% | $4,851-0.2% | $4,126+17.4% |
| Admin fee / account holder | $968 | $6,717-85.6% | $8,254-88.3% | $5,651-82.9% |