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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 | $74,535+31.7% | $100,712-2.5% | $82,637+18.8% |
| Participation rate | 20.7% | 61.2%-40.5pp | 69.3%-48.6pp | 68.1%-47.4pp |
| Annual return | 13.14% | 18.92%-5.8pp | 33.27%-20.1pp | 53.51%-40.4pp |
| Employer contribution / active EE | $283 | $1,503-81.1% | $2,313-87.7% | $2,552-88.9% |
| Participant deferral / active EE | $1,336 | $3,074-56.6% | $4,085-67.3% | $4,126-67.6% |
| Admin fee / account holder | $48,440 | $6,576+636.6% | $9,256+423.3% | $7,339+560.1% |