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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 | $114,009 | $57,352+98.8% | $83,831+36.0% | $64,173+77.7% |
| Participation rate | 42.2% | 68.6%-26.4pp | 76.1%-33.9pp | 69.6%-27.3pp |
| Annual return | 3.09% | 11.38%-8.3pp | 850.99%-847.9pp | 7.63%-4.5pp |
| Employer contribution / active EE | $220 | $2,546-91.4% | $3,631-93.9% | $2,381-90.8% |
| Participant deferral / active EE | $1,496 | $2,993-50.0% | $4,082-63.3% | $3,470-56.9% |
| Admin fee / account holder | $6,313 | $4,046+56.0% | $5,479+15.2% | $4,887+29.2% |