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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 | $101,737 | $88,672+14.7% | $105,223-3.3% | $82,448+23.4% |
| Participation rate | 30.0% | 67.9%-37.9pp | 75.0%-45.0pp | 68.1%-38.1pp |
| Annual return | 14.76% | 30.86%-16.1pp | 180.65%-165.9pp | 41.64%-26.9pp |
| Employer contribution / active EE | $719 | $3,048-76.4% | $3,689-80.5% | $2,551-71.8% |
| Participant deferral / active EE | $1,829 | $4,036-54.7% | $5,072-63.9% | $4,139-55.8% |
| Admin fee / account holder | $25,169 | $7,146+252.2% | $8,859+184.1% | $7,234+247.9% |