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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 | $177,187 | $72,273+145.2% | $101,275+75.0% | $79,856+121.9% |
| Participation rate | 63.5% | 68.5%-5.0pp | 75.8%-12.3pp | 69.6%-6.2pp |
| Annual return | 14.26% | 22.30%-8.0pp | 46.48%-32.2pp | 31.71%-17.5pp |
| Employer contribution / active EE | $527 | $2,691-80.4% | $3,660-85.6% | $2,471-78.7% |
| Participant deferral / active EE | $5,447 | $3,282+66.0% | $4,371+24.6% | $3,741+45.6% |
| Admin fee / account holder | $14,356 | $4,401+226.2% | $5,948+141.4% | $5,306+170.5% |