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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 | $101,654 | $88,672+14.6% | $105,223-3.4% | $82,448+23.3% |
| Participation rate | 14.3% | 67.9%-53.6pp | 75.0%-60.8pp | 68.1%-53.8pp |
| Annual return | 15.62% | 30.86%-15.2pp | 180.65%-165.0pp | 41.64%-26.0pp |
| Employer contribution / active EE | $337 | $3,048-89.0% | $3,689-90.9% | $2,551-86.8% |
| Participant deferral / active EE | $1,908 | $4,036-52.7% | $5,072-62.4% | $4,139-53.9% |
| Admin fee / account holder | $1,499 | $7,146-79.0% | $8,859-83.1% | $7,234-79.3% |