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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 | $155,408 | $71,534+117.2% | $98,462+57.8% | $71,529+117.3% |
| Participation rate | 48.2% | 72.7%-24.5pp | 75.2%-27.0pp | 67.9%-19.7pp |
| Annual return | 13.99% | 32.44%-18.4pp | 21.17%-7.2pp | 28.97%-15.0pp |
| Employer contribution / active EE | $0 | $2,399-100.0% | $3,049-100.0% | $2,590-100.0% |
| Participant deferral / active EE | $3,611 | $4,109-12.1% | $4,738-23.8% | $4,291-15.8% |
| Admin fee / account holder | $13,296 | $1,677+693.0% | $8,875+49.8% | $1,588+737.0% |