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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 | $121,475 | $78,428+54.9% | $95,960+26.6% | $79,852+52.1% |
| Participation rate | 53.1% | 73.5%-20.4pp | 77.1%-24.0pp | 69.6%-16.6pp |
| Annual return | 27.82% | 19.37%+8.5pp | 91.63%-63.8pp | 31.72%-3.9pp |
| Employer contribution / active EE | $299 | $1,945-84.6% | $2,541-88.2% | $2,471-87.9% |
| Participant deferral / active EE | $2,992 | $3,440-13.0% | $4,167-28.2% | $3,740-20.0% |
| Admin fee / account holder | $805 | $5,622-85.7% | $6,797-88.2% | $5,306-84.8% |