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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 | $139,762 | $124,425+12.3% | $112,040+24.7% | $137,256+1.8% |
| Participation rate | 62.5% | 79.3%-16.8pp | 76.5%-14.0pp | 80.0%-17.5pp |
| Annual return | 16.19% | 24.72%-8.5pp | 24.52%-8.3pp | 220.34%-204.1pp |
| Employer contribution / active EE | $674 | $3,411-80.3% | $2,954-77.2% | $4,156-83.8% |
| Participant deferral / active EE | $3,090 | $5,718-46.0% | $5,098-39.4% | $6,407-51.8% |
| Admin fee / account holder | $14,931 | $15,207-1.8% | $12,098+23.4% | $12,270+21.7% |