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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 | $175,127 | $181,062-3.3% | $158,223+10.7% | $155,188+12.8% |
| Participation rate | 10.5% | 82.7%-72.1pp | 79.2%-68.7pp | 80.8%-70.3pp |
| Annual return | 13.98% | 57.39%-43.4pp | 52.09%-38.1pp | 148.84%-134.9pp |
| Employer contribution / active EE | $317 | $4,565-93.1% | $4,109-92.3% | $4,248-92.5% |
| Participant deferral / active EE | $2,123 | $6,134-65.4% | $5,467-61.2% | $6,531-67.5% |
| Admin fee / account holder | $15,999 | $18,825-15.0% | $16,047-0.3% | $14,480+10.5% |