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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 | $142,543 | $81,276+75.4% | $155,574-8.4% | $80,925+76.1% |
| Participation rate | 62.0% | 66.2%-4.2pp | 78.2%-16.2pp | 67.7%-5.7pp |
| Annual return | 16.01% | 33.36%-17.4pp | 64.87%-48.9pp | 35.65%-19.6pp |
| Employer contribution / active EE | $0 | $3,103-100.0% | $4,676-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $2,719 | $3,453-21.3% | $5,629-51.7% | $4,299-36.8% |
| Admin fee / account holder | $8,528 | $7,993+6.7% | $15,914-46.4% | $6,940+22.9% |