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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 | $157,144 | $254,759-38.3% | $216,567-27.4% | $198,609-20.9% |
| Participation rate | 62.5% | 84.5%-22.0pp | 81.6%-19.1pp | 82.4%-19.9pp |
| Annual return | 13.92% | 10.04%+3.9pp | 12.94%+1.0pp | 202.70%-188.8pp |
| Employer contribution / active EE | $475 | $6,096-92.2% | $5,216-90.9% | $5,055-90.6% |
| Participant deferral / active EE | $5,028 | $6,948-27.6% | $6,191-18.8% | $6,977-27.9% |
| Admin fee / account holder | $134,274 | $26,311+410.3% | $21,981+510.9% | $19,030+605.6% |