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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 | $159,211 | $184,014-13.5% | $161,149-1.2% | $138,895+14.6% |
| Participation rate | 58.8% | 82.1%-23.3pp | 78.8%-20.0pp | 79.9%-21.1pp |
| Annual return | 15.55% | 21.52%-6.0pp | 21.16%-5.6pp | 145.39%-129.8pp |
| Employer contribution / active EE | $2 | $5,055-100.0% | $4,360-100.0% | $4,194-100.0% |
| Participant deferral / active EE | $3,542 | $6,909-48.7% | $6,153-42.4% | $6,396-44.6% |
| Admin fee / account holder | $2,243 | $18,027-87.6% | $15,194-85.2% | $12,562-82.1% |