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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 | $113,124 | $91,559+23.6% | $133,978-15.6% | $79,856+41.7% |
| Participation rate | 62.3% | 73.3%-11.0pp | 79.8%-17.5pp | 69.6%-7.3pp |
| Annual return | 14.05% | 61.85%-47.8pp | 45.10%-31.0pp | 31.71%-17.7pp |
| Employer contribution / active EE | $0 | $2,384-100.0% | $3,919-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $3,145 | $3,734-15.8% | $5,047-37.7% | $3,741-15.9% |
| Admin fee / account holder | $2,322 | $6,321-63.3% | $8,930-74.0% | $5,306-56.2% |