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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 | $185,312-5.5% | $161,489+8.4% | $154,746+13.2% |
| Participation rate | 10.5% | 82.5%-71.9pp | 78.7%-68.2pp | 80.7%-70.2pp |
| Annual return | 13.98% | 103.84%-89.9pp | 89.72%-75.7pp | 172.34%-158.4pp |
| Employer contribution / active EE | $317 | $4,769-93.4% | $4,268-92.6% | $4,379-92.8% |
| Participant deferral / active EE | $2,123 | $6,350-66.6% | $5,630-62.3% | $6,730-68.4% |
| Admin fee / account holder | $15,999 | $18,654-14.2% | $16,0060% | $14,365+11.4% |