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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 | $116,544 | $72,269+61.3% | $101,271+15.1% | $79,852+46.0% |
| Participation rate | 15.8% | 68.5%-52.7pp | 75.8%-60.0pp | 69.6%-53.8pp |
| Annual return | 15.31% | 22.29%-7.0pp | 46.48%-31.2pp | 31.72%-16.4pp |
| Employer contribution / active EE | $546 | $2,692-79.7% | $3,660-85.1% | $2,471-77.9% |
| Participant deferral / active EE | $1,867 | $3,282-43.1% | $4,371-57.3% | $3,740-50.1% |
| Admin fee / account holder | $2,725 | $4,401-38.1% | $5,948-54.2% | $5,306-48.6% |