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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 | $124,779 | $81,487+53.1% | $102,412+21.8% | $80,935+54.2% |
| Participation rate | 46.7% | 66.8%-20.2pp | 74.5%-27.8pp | 67.7%-21.0pp |
| Annual return | 16.71% | 25.60%-8.9pp | 24.94%-8.2pp | 35.66%-19.0pp |
| Employer contribution / active EE | $748 | $3,103-75.9% | $3,870-80.7% | $2,757-72.9% |
| Participant deferral / active EE | $2,679 | $3,871-30.8% | $5,060-47.1% | $4,299-37.7% |
| Admin fee / account holder | $10,519 | $6,717+56.6% | $8,388+25.4% | $6,924+51.9% |