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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 | $192,129 | $78,670+144.2% | $109,173+76.0% | $85,847+123.8% |
| Participation rate | 57.7% | 68.3%-10.6pp | 75.9%-18.2pp | 69.3%-11.6pp |
| Annual return | 12.50% | 25.09%-12.6pp | 25.75%-13.3pp | 318.61%-306.1pp |
| Employer contribution / active EE | $0 | $2,734-100.0% | $3,723-100.0% | $2,565-100.0% |
| Participant deferral / active EE | $3,455 | $3,467-0.4% | $4,654-25.8% | $3,952-12.6% |
| Admin fee / account holder | $45,736 | $5,469+736.2% | $6,755+577.1% | $6,261+630.5% |