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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 | $96,655 | $51,466+87.8% | $78,778+22.7% | $62,293+55.2% |
| Participation rate | 59.5% | 59.8%-0.3pp | 69.2%-9.7pp | 69.5%-10.0pp |
| Annual return | 16.45% | 19.96%-3.5pp | 35.62%-19.2pp | 28.90%-12.4pp |
| Employer contribution / active EE | $172 | $827-79.2% | $1,986-91.3% | $2,042-91.6% |
| Participant deferral / active EE | $4,557 | $2,147+112.2% | $2,958+54.0% | $3,169+43.8% |
| Admin fee / account holder | $3,195 | $489+553.0% | $5,134-37.8% | $479+566.6% |