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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 | $78,013+47.3% | $178,449-35.6% | $80,911+42.0% |
| Participation rate | 45.3% | 65.7%-20.4pp | 77.1%-31.8pp | 67.6%-22.4pp |
| Annual return | 14.15% | 18.07%-3.9pp | 27.09%-12.9pp | 35.63%-21.5pp |
| Employer contribution / active EE | $472 | $2,287-79.4% | $3,951-88.0% | $2,756-82.9% |
| Participant deferral / active EE | $2,119 | $4,408-51.9% | $6,277-66.2% | $4,297-50.7% |
| Admin fee / account holder | $2,902 | $7,166-59.5% | $10,362-72.0% | $6,935-58.2% |