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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 | $129,431 | $116,462+11.1% | $174,595-25.9% | $116,462+11.1% |
| Participation rate | 36.1% | 74.7%-38.6pp | 85.1%-49.0pp | 74.7%-38.6pp |
| Annual return | 20.42% | 15.65%+4.8pp | 6861.22%-6840.8pp | 15.65%+4.8pp |
| Employer contribution / active EE | $0 | $3,231-100.0% | $3,630-100.0% | $3,231-100.0% |
| Participant deferral / active EE | $2,678 | $3,836-30.2% | $4,379-38.9% | $3,836-30.2% |
| Admin fee / account holder | $1,715 | $12,754-86.6% | $10,352-83.4% | $12,754-86.6% |