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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 | $144,905 | $108,825+33.2% | $156,181-7.2% | $82,448+75.8% |
| Participation rate | 58.6% | 72.4%-13.7pp | 78.8%-20.2pp | 68.1%-9.4pp |
| Annual return | 12.53% | 20.59%-8.1pp | 64.87%-52.3pp | 41.64%-29.1pp |
| Employer contribution / active EE | $662 | $2,870-76.9% | $4,294-84.6% | $2,551-74.1% |
| Participant deferral / active EE | $3,337 | $4,577-27.1% | $6,132-45.6% | $4,139-19.4% |
| Admin fee / account holder | $1,413 | $9,341-84.9% | $14,586-90.3% | $7,234-80.5% |