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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 | $131,221 | $94,436+39.0% | $115,599+13.5% | $82,637+58.8% |
| Participation rate | 67.9% | 70.4%-2.5pp | 74.3%-6.4pp | 68.1%-0.1pp |
| Annual return | 13.09% | 18.37%-5.3pp | 111.10%-98.0pp | 53.51%-40.4pp |
| Employer contribution / active EE | $321 | $2,324-86.2% | $2,955-89.1% | $2,552-87.4% |
| Participant deferral / active EE | $3,006 | $3,955-24.0% | $4,889-38.5% | $4,126-27.2% |
| Admin fee / account holder | $30,225 | $10,328+192.7% | $12,841+135.4% | $7,339+311.9% |