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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 | $144,832 | $72,273+100.4% | $101,275+43.0% | $79,856+81.4% |
| Participation rate | 17.9% | 68.5%-50.6pp | 75.8%-58.0pp | 69.6%-51.8pp |
| Annual return | 18.50% | 22.30%-3.8pp | 46.48%-28.0pp | 31.71%-13.2pp |
| Employer contribution / active EE | $589 | $2,691-78.1% | $3,660-83.9% | $2,471-76.2% |
| Participant deferral / active EE | $2,306 | $3,282-29.7% | $4,371-47.2% | $3,741-38.4% |
| Admin fee / account holder | $542 | $4,401-87.7% | $5,948-90.9% | $5,306-89.8% |