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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 | $110,197 | $80,992+36.1% | $96,534+14.2% | $75,173+46.6% |
| Participation rate | 52.6% | 71.8%-19.2pp | 76.0%-23.3pp | 67.2%-14.6pp |
| Annual return | 16.94% | 27.05%-10.1pp | 25.88%-8.9pp | 160.72%-143.8pp |
| Employer contribution / active EE | $378 | $2,283-83.5% | $2,965-87.3% | $2,671-85.9% |
| Participant deferral / active EE | $3,857 | $3,929-1.8% | $4,851-20.5% | $4,126-6.5% |
| Admin fee / account holder | $8,516 | $6,717+26.8% | $8,253+3.2% | $5,651+50.7% |