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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 | $154,399 | $77,920+98.1% | $149,723+3.1% | $75,177+105.4% |
| Participation rate | 63.3% | 65.6%-2.2pp | 78.8%-15.4pp | 67.2%-3.9pp |
| Annual return | 19.28% | 31.72%-12.4pp | 134.50%-115.2pp | 160.75%-141.5pp |
| Employer contribution / active EE | $0 | $3,138-100.0% | $4,821-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $4,802 | $3,411+40.8% | $5,682-15.5% | $4,126+16.4% |
| Admin fee / account holder | $819 | $5,951-86.2% | $13,215-93.8% | $5,651-85.5% |