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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 | $112,682 | $112,7290% | $98,716+14.1% | $137,256-17.9% |
| Participation rate | 50.0% | 74.2%-24.2pp | 69.3%-19.3pp | 80.0%-30.0pp |
| Annual return | 27.36% | 38.48%-11.1pp | 31.81%-4.5pp | 220.34%-193.0pp |
| Employer contribution / active EE | $200 | $2,725-92.7% | $2,279-91.2% | $4,156-95.2% |
| Participant deferral / active EE | $1,703 | $4,640-63.3% | $4,048-57.9% | $6,407-73.4% |
| Admin fee / account holder | $617 | $10,129-93.9% | $8,703-92.9% | $12,270-95.0% |