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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 | $120,637 | $96,731+24.7% | $123,973-2.7% | $86,983+38.7% |
| Participation rate | 16.7% | 70.0%-53.4pp | 76.7%-60.0pp | 69.5%-52.9pp |
| Annual return | 15.47% | 17.33%-1.9pp | 388.13%-372.7pp | 25.83%-10.4pp |
| Employer contribution / active EE | $740 | $3,297-77.5% | $4,126-82.1% | $2,584-71.4% |
| Participant deferral / active EE | $2,789 | $4,152-32.8% | $5,247-46.8% | $4,194-33.5% |
| Admin fee / account holder | $1,103 | $8,722-87.4% | $11,799-90.6% | $7,856-86.0% |