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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 | $158,411 | $181,062-12.5% | $158,223+0.1% | $155,188+2.1% |
| Participation rate | 42.9% | 82.7%-39.8pp | 79.2%-36.3pp | 80.8%-37.9pp |
| Annual return | 9.54% | 57.39%-47.8pp | 52.09%-42.5pp | 148.84%-139.3pp |
| Employer contribution / active EE | $794 | $4,565-82.6% | $4,109-80.7% | $4,248-81.3% |
| Participant deferral / active EE | $4,719 | $6,134-23.1% | $5,467-13.7% | $6,531-27.7% |
| Admin fee / account holder | $1,651 | $18,825-91.2% | $16,047-89.7% | $14,480-88.6% |