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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 | $199,109-21.1% | $173,730-9.5% | $154,746+1.5% |
| Participation rate | 62.5% | 82.8%-20.3pp | 79.6%-17.1pp | 80.7%-18.2pp |
| Annual return | 13.92% | 20.02%-6.1pp | 19.96%-6.0pp | 172.34%-158.4pp |
| Employer contribution / active EE | $475 | $5,311-91.1% | $4,577-89.6% | $4,379-89.2% |
| Participant deferral / active EE | $5,028 | $7,113-29.3% | $6,326-20.5% | $6,730-25.3% |
| Admin fee / account holder | $134,274 | $20,916+542.0% | $17,523+666.3% | $14,365+834.7% |