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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 | $115,508 | $146,267-21.0% | $197,124-41.4% | $82,448+40.1% |
| Participation rate | 30.3% | 84.0%-53.7pp | 86.7%-56.4pp | 68.1%-37.8pp |
| Annual return | 22.06% | 29.61%-7.5pp | 44.34%-22.3pp | 41.64%-19.6pp |
| Employer contribution / active EE | $838 | $4,723-82.3% | $6,227-86.5% | $2,551-67.2% |
| Participant deferral / active EE | $3,596 | $7,035-48.9% | $9,135-60.6% | $4,139-13.1% |
| Admin fee / account holder | $844 | $14,422-94.2% | $16,298-94.8% | $7,234-88.3% |