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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 | $114,879 | $78,015+47.3% | $178,505-35.6% | $80,959+41.9% |
| Participation rate | 45.3% | 65.7%-20.4pp | 77.1%-31.8pp | 67.7%-22.4pp |
| Annual return | 14.15% | 18.10%-4.0pp | 27.16%-13.0pp | 35.67%-21.5pp |
| Employer contribution / active EE | $472 | $2,281-79.3% | $3,955-88.1% | $2,757-82.9% |
| Participant deferral / active EE | $2,119 | $4,406-51.9% | $6,280-66.3% | $4,300-50.7% |
| Admin fee / account holder | $2,902 | $7,160-59.5% | $10,428-72.2% | $6,925-58.1% |