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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 | $98,170 | $77,574+26.5% | $108,753-9.7% | $86,983+12.9% |
| Participation rate | 20.7% | 62.3%-41.6pp | 71.1%-50.4pp | 69.5%-48.9pp |
| Annual return | 13.14% | 18.42%-5.3pp | 37.47%-24.3pp | 25.83%-12.7pp |
| Employer contribution / active EE | $283 | $1,611-82.4% | $2,427-88.3% | $2,584-89.0% |
| Participant deferral / active EE | $1,336 | $3,128-57.3% | $4,115-67.5% | $4,194-68.2% |
| Admin fee / account holder | $48,440 | $6,529+642.0% | $10,320+369.4% | $7,856+516.6% |