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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 | $208,692 | $138,312+50.9% | $122,979+69.7% | $155,188+34.5% |
| Participation rate | 47.8% | 80.2%-32.4pp | 77.2%-29.4pp | 80.8%-33.0pp |
| Annual return | 12.27% | 22.06%-9.8pp | 20.12%-7.8pp | 148.84%-136.6pp |
| Employer contribution / active EE | $607 | $3,530-82.8% | $3,062-80.2% | $4,248-85.7% |
| Participant deferral / active EE | $2,716 | $5,592-51.4% | $5,003-45.7% | $6,531-58.4% |
| Admin fee / account holder | $3,739 | $15,089-75.2% | $12,864-70.9% | $14,480-74.2% |