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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 | $129,709 | $83,369+55.6% | $105,223+23.3% | $67,986+90.8% |
| Participation rate | 13.0% | 56.3%-43.3pp | 75.0%-62.1pp | 57.2%-44.2pp |
| Annual return | 16.74% | 24.64%-7.9pp | 180.65%-163.9pp | 31.67%-14.9pp |
| Employer contribution / active EE | $425 | $2,541-83.3% | $3,689-88.5% | $2,019-79.0% |
| Participant deferral / active EE | $2,069 | $3,295-37.2% | $5,072-59.2% | $3,358-38.4% |
| Admin fee / account holder | $1,888 | $4,073-53.6% | $8,859-78.7% | $3,203-41.1% |