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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 | $138,312+56.8% | $122,979+76.3% | $155,188+39.7% |
| Participation rate | 54.5% | 80.2%-25.6pp | 77.2%-22.6pp | 80.8%-26.3pp |
| Annual return | 21.26% | 22.06%-0.8pp | 20.12%+1.1pp | 148.84%-127.6pp |
| Employer contribution / active EE | $693 | $3,530-80.4% | $3,062-77.4% | $4,248-83.7% |
| Participant deferral / active EE | $2,403 | $5,592-57.0% | $5,003-52.0% | $6,531-63.2% |
| Admin fee / account holder | $94,368 | $15,089+525.4% | $12,864+633.6% | $14,480+551.7% |