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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 | $91,701 | $81,487+12.5% | $102,412-10.5% | $80,935+13.3% |
| Participation rate | 39.8% | 66.8%-27.1pp | 74.5%-34.7pp | 67.7%-27.9pp |
| Annual return | 11.20% | 25.60%-14.4pp | 24.94%-13.7pp | 35.66%-24.5pp |
| Employer contribution / active EE | $374 | $3,103-88.0% | $3,870-90.3% | $2,757-86.4% |
| Participant deferral / active EE | $1,874 | $3,871-51.6% | $5,060-63.0% | $4,299-56.4% |
| Admin fee / account holder | $15,183 | $6,717+126.0% | $8,388+81.0% | $6,924+119.3% |