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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 | $92,967 | $80,781+15.1% | $102,437-9.2% | $74,478+24.8% |
| Participation rate | 19.4% | 65.7%-46.2pp | 74.5%-55.1pp | 67.2%-47.8pp |
| Annual return | 12.16% | 27.58%-15.4pp | 24.95%-12.8pp | 1370.56%-1358.4pp |
| Employer contribution / active EE | $653 | $3,160-79.3% | $3,871-83.1% | $2,626-75.1% |
| Participant deferral / active EE | $2,521 | $3,862-34.7% | $5,060-50.2% | $4,350-42.1% |
| Admin fee / account holder | $2,215 | $2,372-6.6% | $8,388-73.6% | $1,946+13.8% |