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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 | $173,393 | $73,787+135.0% | $98,716+75.6% | $82,448+110.3% |
| Participation rate | 47.5% | 61.4%-13.9pp | 69.3%-21.8pp | 68.1%-20.6pp |
| Annual return | 13.51% | 18.57%-5.1pp | 31.81%-18.3pp | 41.64%-28.1pp |
| Employer contribution / active EE | $319 | $1,511-78.9% | $2,279-86.0% | $2,551-87.5% |
| Participant deferral / active EE | $2,866 | $3,081-7.0% | $4,048-29.2% | $4,139-30.8% |
| Admin fee / account holder | $9,291 | $6,500+42.9% | $8,703+6.8% | $7,234+28.4% |