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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 | $167,324 | $99,345+68.4% | $84,753+97.4% | $273,972-38.9% |
| Participation rate | 36.8% | 80.7%-43.9pp | 76.6%-39.8pp | 83.0%-46.2pp |
| Annual return | 7.22% | 22.93%-15.7pp | 22.78%-15.6pp | 41.46%-34.2pp |
| Employer contribution / active EE | $169 | $4,214-96.0% | $3,574-95.3% | $4,869-96.5% |
| Participant deferral / active EE | $1,480 | $4,270-65.3% | $3,712-60.1% | $5,287-72.0% |
| Admin fee / account holder | $1,541 | $6,645-76.8% | $5,333-71.1% | $10,133-84.8% |