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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 | $132,292 | $95,453+38.6% | $112,040+18.1% | $82,448+60.5% |
| Participation rate | 55.7% | 72.8%-17.0pp | 76.5%-20.8pp | 68.1%-12.4pp |
| Annual return | 16.88% | 23.92%-7.0pp | 24.52%-7.6pp | 41.64%-24.8pp |
| Employer contribution / active EE | $514 | $2,318-77.8% | $2,954-82.6% | $2,551-79.8% |
| Participant deferral / active EE | $4,091 | $4,224-3.1% | $5,098-19.7% | $4,139-1.2% |
| Admin fee / account holder | $9,451 | $9,013+4.9% | $12,098-21.9% | $7,234+30.6% |