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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 | $119,856 | $185,312-35.3% | $161,489-25.8% | $154,746-22.5% |
| Participation rate | 29.2% | 82.5%-53.3pp | 78.7%-49.5pp | 80.7%-51.5pp |
| Annual return | 11.47% | 103.84%-92.4pp | 89.72%-78.2pp | 172.34%-160.9pp |
| Employer contribution / active EE | $865 | $4,769-81.9% | $4,268-79.7% | $4,379-80.3% |
| Participant deferral / active EE | $3,086 | $6,350-51.4% | $5,630-45.2% | $6,730-54.1% |
| Admin fee / account holder | $97,023 | $18,654+420.1% | $16,006+506.2% | $14,365+575.4% |