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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 | $102,669 | $106,524-3.6% | $152,301-32.6% | $87,485+17.4% |
| Participation rate | 43.9% | 75.8%-31.9pp | 82.4%-38.5pp | 68.9%-25.0pp |
| Annual return | 18.30% | 26.89%-8.6pp | 80.50%-62.2pp | 26.06%-7.8pp |
| Employer contribution / active EE | $196 | $3,371-94.2% | $4,624-95.8% | $2,596-92.4% |
| Participant deferral / active EE | $4,618 | $6,525-29.2% | $8,004-42.3% | $4,274+8.1% |
| Admin fee / account holder | $2,593 | $8,287-68.7% | $14,398-82.0% | $7,775-66.6% |