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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 | $129,897 | $99,994+29.9% | $146,643-11.4% | $85,847+51.3% |
| Participation rate | 62.5% | 73.1%-10.6pp | 80.1%-17.6pp | 69.3%-6.8pp |
| Annual return | 32.19% | 18.93%+13.3pp | 22.75%+9.4pp | 318.61%-286.4pp |
| Employer contribution / active EE | $368 | $2,559-85.6% | $4,137-91.1% | $2,565-85.7% |
| Participant deferral / active EE | $2,175 | $4,006-45.7% | $5,506-60.5% | $3,952-45.0% |
| Admin fee / account holder | $835 | $7,703-89.2% | $10,280-91.9% | $6,261-86.7% |