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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 | $216,839 | $126,661+71.2% | $113,397+91.2% | $138,895+56.1% |
| Participation rate | 54.5% | 79.4%-24.9pp | 76.5%-22.0pp | 79.9%-25.4pp |
| Annual return | 21.26% | 25.05%-3.8pp | 23.20%-1.9pp | 145.39%-124.1pp |
| Employer contribution / active EE | $693 | $3,456-79.9% | $2,977-76.7% | $4,194-83.5% |
| Participant deferral / active EE | $2,403 | $5,693-57.8% | $5,076-52.7% | $6,396-62.4% |
| Admin fee / account holder | $94,368 | $14,549+548.6% | $11,957+689.2% | $12,562+651.2% |