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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 | $129,235 | $76,112+69.8% | $96,534+33.9% | $71,511+80.7% |
| Participation rate | 32.5% | 74.4%-41.9pp | 76.0%-43.4pp | 67.9%-35.4pp |
| Annual return | 16.45% | 22.81%-6.4pp | 25.88%-9.4pp | 28.86%-12.4pp |
| Employer contribution / active EE | $327 | $2,248-85.4% | $2,965-89.0% | $2,589-87.4% |
| Participant deferral / active EE | $3,303 | $4,217-21.7% | $4,851-31.9% | $4,291-23.0% |
| Admin fee / account holder | $3,039 | $2,708+12.2% | $8,253-63.2% | $1,588+91.3% |