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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 | $119,286 | $114,712+4.0% | $173,730-31.3% | $87,485+36.4% |
| Participation rate | 26.7% | 73.0%-46.3pp | 79.6%-52.9pp | 68.9%-42.3pp |
| Annual return | 16.86% | 20.18%-3.3pp | 19.96%-3.1pp | 26.06%-9.2pp |
| Employer contribution / active EE | $722 | $2,904-75.1% | $4,577-84.2% | $2,596-72.2% |
| Participant deferral / active EE | $2,471 | $4,642-46.8% | $6,326-60.9% | $4,274-42.2% |
| Admin fee / account holder | $754 | $10,210-92.6% | $17,523-95.7% | $7,775-90.3% |