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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 | $45,201 | $181,896-75.1% | $156,551-71.1% | $273,972-83.5% |
| Participation rate | 55.6% | 88.4%-32.8pp | 84.0%-28.5pp | 83.0%-27.5pp |
| Annual return | 20.46% | 30.74%-10.3pp | 32.23%-11.8pp | 41.46%-21.0pp |
| Employer contribution / active EE | $1,043 | $6,248-83.3% | $5,501-81.0% | $4,869-78.6% |
| Participant deferral / active EE | $3,795 | $5,550-31.6% | $4,871-22.1% | $5,287-28.2% |
| Admin fee / account holder | $21,484 | $15,560+38.1% | $13,028+64.9% | $10,133+112.0% |