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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 | $149,356 | $77,920+91.7% | $149,723-0.2% | $75,177+98.7% |
| Participation rate | 10.5% | 65.6%-55.1pp | 78.8%-68.3pp | 67.2%-56.7pp |
| Annual return | 16.93% | 31.72%-14.8pp | 134.50%-117.6pp | 160.75%-143.8pp |
| Employer contribution / active EE | $222 | $3,138-92.9% | $4,821-95.4% | $2,671-91.7% |
| Participant deferral / active EE | $1,665 | $3,411-51.2% | $5,682-70.7% | $4,126-59.7% |
| Admin fee / account holder | $1,502 | $5,951-74.8% | $13,215-88.6% | $5,651-73.4% |