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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 | $188,199 | $81,331+131.4% | $155,534+21.0% | $80,935+132.5% |
| Participation rate | 9.8% | 66.3%-56.5pp | 78.2%-68.5pp | 67.7%-57.9pp |
| Annual return | 14.07% | 33.37%-19.3pp | 64.92%-50.8pp | 35.66%-21.6pp |
| Employer contribution / active EE | $197 | $3,105-93.7% | $4,675-95.8% | $2,757-92.9% |
| Participant deferral / active EE | $1,543 | $3,454-55.3% | $5,630-72.6% | $4,299-64.1% |
| Admin fee / account holder | $1,098 | $7,999-86.3% | $15,900-93.1% | $6,924-84.1% |