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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 | $85,850 | $101,778-15.6% | $164,975-48.0% | $80,925+6.1% |
| Participation rate | 26.5% | 71.8%-45.4pp | 78.6%-52.1pp | 67.7%-41.2pp |
| Annual return | 16.96% | 16.73%+0.2pp | 70.12%-53.2pp | 35.65%-18.7pp |
| Employer contribution / active EE | $650 | $2,954-78.0% | $4,343-85.0% | $2,756-76.4% |
| Participant deferral / active EE | $2,157 | $4,477-51.8% | $6,033-64.2% | $4,299-49.8% |
| Admin fee / account holder | $530 | $8,221-93.6% | $12,688-95.8% | $6,940-92.4% |