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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 | $137,504 | $172,111-20.1% | $150,298-8.5% | $137,256+0.2% |
| Participation rate | 38.5% | 81.7%-43.3pp | 77.8%-39.3pp | 80.0%-41.5pp |
| Annual return | 14.10% | 69.37%-55.3pp | 62.79%-48.7pp | 220.34%-206.2pp |
| Employer contribution / active EE | $679 | $4,636-85.4% | $4,154-83.7% | $4,156-83.7% |
| Participant deferral / active EE | $2,206 | $6,166-64.2% | $5,453-59.5% | $6,407-65.6% |
| Admin fee / account holder | $7,817 | $16,471-52.5% | $14,116-44.6% | $12,270-36.3% |